How Long To Get Title From DMV After Payoff (And Why)?

Exact Answer: Within Thirty Days

The statutory provisions of the United States postulate the need for a valid car title. This document proves the legal ownership of the vehicle and permits the owner to drive it in the country. The title of the vehicle must be registered with the DMV agency of the country for this purpose.

There are quite a few documents needed to initiate the registration process for a valid title. Moreover, the law of each state dictates that each time a vehicle is bought or sold, the titular ownership of the vehicle must be transferred to the new owner. Registration for a new title can be done through the online DMV site or initiated in-person at the state DMV office.

How Long To Get Title From DMV After Payoff?

The time taken by a new title to reach the recipient through different methods will be dependent upon several factors. The specific predicament of the person applying for the car title also has a bearing on the stipulated time frame of its approval and arrival. Receiving a car title through the mail can be a considerably long process in different United States areas. Several parameters are to be considered in developing a potential timeline of the title’s arrival. Sometimes, the title is also delivered to the vehicle owner’s house. Still, in most cases, the delivery is done through mail, as it requires less workforce and is a reasonably straightforward process.

If an individual is purchasing a new car, then the focus is on the method of payment. If a car is purchased with completely liquidated assets like total cash or cheque payment, then the time taken for the car title will arrive in the mail within four weeks. However, if a car is purchased with a certain amount of loaned money, then the time taken for the title to arrive in the mail will be different. In the United States, the ownership title for such a car arrives only after completing the loan. On average, a month is generally stipulated for the arrival of such a title.

EventsTime After Payoff
For the title to be released by the agencyTen days
For the title to be received by the vehicle ownerWithin thirty days

After the payoff is done, the agency releases the title after ten days. But the time taken to receive the title is within thirty days after the payoff is completed.

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Why Does It Take That Long To Get Title From DMV After Payoff?

The bureaucratic processes involved in filing, developing, and processing a new claim take time. This affects the total time taken by a car title to arrive in the mail of an expectant recipient. A document called the release of lien is needed for those vehicles that have been purchased with a borrowed amount. This document is indispensable when filing a request for a car title in the United States. This stipulates that the ownership of the vehicle’s title rests with the loaning party. Only after completing the outstanding debt, the car title is transferred to the actual owner’s name. This process takes time.

Transferring the title from the name of a deceased owner to their spouses or family members takes the longest time because it involves several processual steps. If a will or testament does not succeed the deceased individual, then an Affidavit for the vehicle must be filed by the spouse. This is followed by a long-drawn process of document verification and processing.

It takes that long to get the title from DMV after payoff because the DMV releases many titles, and it takes time. Moreover, sometimes car titles may take longer to arrive in the mail due to delays and lags in the postal network. National holidays may also affect the prompt delivery of car titles.

Conclusion

Overall, it can be concluded in the United States, on average, an individual must be prepared to wait for a period of at least one to two months for the arrival of his or her car title. This timeline tends to be hastened or prolonged in some instances, but more or less, it remains stable.

On average, it is generally received within thirty days of payoff. It is possible to minimize unnecessary delays and lags by filing all the correct documents needed by the state DMV agency at the very first instance. This helps accelerate the processing of car title claims. Moreover, if an individual experiences unforeseen delays in receiving the car title, he must notify the DMV immediately.

References

  1. https://agsjournals.onlinelibrary.wiley.com/doi/abs/10.1111/j.1532-5415.2005.00568.x
  2. https://journals.sagepub.com/doi/abs/10.7182/pit2012436
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