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To obtain a lien release for a vehicle title, you must first identify the name of the lender or lien holder listed on the title. This is crucial, as even if the loan is paid off, the DMV will not issue a replacement title if a lien is showing. If you are the owner of the vehicle, you can simply go to the DMV to find out the information. If not, you may need to go through other channels to determine the lender's name. It is important to note that just because the loan is paid off, the bank may not have notified the DMV, so obtaining a lien release is essential for a clear title.