THE BLOG

Virginia Title Loan Business

Posted by CarTitle Team / Virginia

Virginia Title Loan Business

State AG misstates Virginia car title repossessions.

“Nearly 20,000 Virginia car title loan transactions resulted in a repossession last year? Virginia AG Cracks Down on Car Title Loan Companies What a load! Where is the data? It doesn’t exist.

Click to Invest Now!

What’s more likely? Credit unions and banks repossessed 98% of these cars having title loan liens registered against them. Where did this guy get his facts? Who will these car title loan customers rob, borrow, embezzle funds from to meet their emergency financial needs?

Who puts a gun to the head of these car title loan borrowers and forces them to take the money?

Mr. AG, you want to put a stop to car title loans in Virginia? Create JOBS!

Want to start your own car title loan business? Check out or newly updated Manual: “How to Start a Car Title Loan Business.”

Virginia car title loan business

05
Sep

How to Set Up a Title Loan

Posted by CarTitle Team / How to Start

How to open a title company?

You still trying to figure out how to set up a title loan company?

Still spending hours on your computer “Googling: How to Start a Title Loan Business?” Still haven’t invested in our “How to Start a Car Title Loan Business?”

Here’s some ideas we still use in our title loan and payday loan businesses:

First, look around. If there are zero title loan companies in your city they’re probably illegal.
Go get a title loan from a competitor. Nothing like getting a car title loan on your dime to see what all the fuss is about. Get copies of everything. Ask lots of questions? Don’t be shy! “Is business good?” “How many car title loans does your store average every month?”
Pay off YOUR title loan the following week. If you want to press it and learn about their collection process, push them to the brink of repossing your car 🙂
Interview employees of your competition. Setup appointments at the local Starbucks. Be upfront! Tell your title loan applicants you’re new to title loan lending and you’re planning to start a new one. If they’re really good and of value, pay them $50 or more on the spot. Maybe hire one eventually.
Run an ad for employees and managers on Craigslist.com like this:

XXXX Cash – Hiring for All Positions
Employment type: full-time
NOW HIRING (All Positions including Management Positions)
(Email Resume or Apply in Person)XXX Cash if you would like to apply.

PT/FT CUSTOMER ADVOCATES
HEALTH BENEFITS & 401K Available for all FT positions.
GREAT BASE PAY, BONUSES & INCENTIVE PLANS
– Bonus Compensation
– Leadership Bonus
– Performance Bonus
– Customer Service Incentive Plans

FLEXIBLE HOURS – PAID TRAINING – A high school degree is required. – XXX Cash will train you on, customer service, all the products and services offered as well as how to perform all duties and tasks.

How to Start Title Loan Biz

We offer 2 methods to invest in our “How to Start a Car Title Loan Business:”

Immediate download in Adobe Acrobat: $237.00
We’ll print and ship it to you: $367.00

how to set up title loan company

04
Sep

How to Open a Title Loan Company

Posted by CarTitle Team / How to Start

Open a Title Loan Company

To open a title loan company, You Must Do This!

You want to open a title loan company? READ THIS! THIS IS CRUCIAL! You, or a member of your team, MUST become familiar with the appropriate title loan laws, statutes, legislation, licensing requirements and specific reporting requirements of your state or province.

How to Start Title Loan Biz

The moment our Car Title Manual was created it became obsolete. (Note: We update both the digital version of our “How to Open a Car Title Loan Business” and our printed version 4 times each year.) It is for this reason we include links to your state regulatory authorities.

ALWAYS contact your state or provincial regulators for the latest car title loan laws, licensing requirements and fee structures. This generally includes your Department of Corporations, Department of Finance, Department of Motor Vehicles, and/or city hall.

Additionally, do not fail to contact the car title loan software providers discussed in our Car Title Manual. Visit their web sites. Contact them for sample contracts and disclosures; we provide several example car title loan contracts as well. Finally, Burrell Printing [see our Manual] offers a variety of forms, contracts and more for the auto title loan, payday loan, and check cashing industries.

Just as important is the need for you to actually apply for and receive a car title loan in your state or province. This is a great way to evaluate your competition and get copies of ALL the appropriate forms, disclosures and contracts appropriate for your title loan company.

Always select your biggest and most successful title loan competitor to target. Typically, they have spent the required funds and utilized the best legal counsel to review their documentation. Model your materials after theirs.

If necessary, invest in an appropriate automobile to accomplish this. Any vehicle having a wholesale value of $2000 to $5000, depending on your locale, will suffice. Your must accomplish this task. It cannot be overly emphasized! If this is “painful” it means you must do it. Stretch yourself!~

Always contact your state or provincial car title loan, pawnshop and payday loan trade organization. The membership is comprised of your peers. Their meetings and conventions are great opportunities to learn and connect. See our chapter entitled “Resources” in our “Title Loan Company Manual.”

Finally, to successfully open a title loan company, subscribe to PawnBroker Magazine and Checklist Magazine at 212-807-0148. Additionally, follow the Buy-Here-Pay-Here Industry. These two magazines are industry trade magazines offering insight, training, conventions, and new products and services that will help you to be more successful opening your title loan company.

We offer 2 methods to invest in our “How to Open a Car Title Loan Company:”

Immediate download in Adobe Acrobat: $237.00
We’ll print and ship it to you: $367.00

How to Open a Title Loan Company open title loan company

20
Aug

Oregon Car Title Loans

Posted by CarTitle Team / Oregon

Title Loan Business

How to Start a Oregon Car Title Loan Business

Oregon car title loan companies are regulated by Oregon Division of Finance and Corporate Securities:
Toll-free: 866-814-9710
Email: dcbs.dfcsmail@state.or.us
Office Hours: Monday-Friday, 8:00 AM – 5:00 PM Pacific Time

Paying too much for your Oregon title loan? Internet lenders are overcharging residents of Oregon.

Here is the most you should pay for a Oregon payday loan or car title title loan.

Loan Amount	Origination Fee + Interest	Total Loan Cost
$100	$13.06	$113.06
$200	$26.12	$226.12
$300	$39.17	$339.17

If your Oregon car title loan cost is higher, your lender is probably unlicensed in Oregon.

In Oregon the legal limits on what can be charged are:

A one-time 10 percent loan origination fee, up to a maximum $30, for a new loan.
36 percent interest.*
Only two renewals, or “roll overs,” on an existing loan. After two renewals, you must pay the loan amount and interest in full.
The payday or title loan must be for at least 31 days and not longer than 60 days.

Payday or title loan lenders must give you a written loan agreement clearly explaining the fees, percentage rate, payment due dates, and what happens if you’re late with your payments or you default.

All payday loan or car title lenders, including those online, must be licensed by the State of Oregon.

*The annual percentage rate (APR) – the total of all interest and fees calculated on an annual basis – will be 153.77 percent if the lender charges the maximum interest rate (36 percent) and the maximum origination fees allowed.

10
Aug

Start a Title Loan Business?

Posted by CarTitle Team / How to Start

Want to start start a car title loan business?

This simple approach works! You want to learn how to start a title loan business? We offer all the information you need in our “How to Start a Car Title Loan Business Manual.”

Start a Title Loan Biz

One easy method we discuss? Place an ad on Craigslist for an employee. Get applications and then meet the candidates at Starbucks. It’s common for this tactic to result in a 60 minute meeting with an experienced car title loan employee who will “spill their guts” and reveal every strategy your future car title loan competitor is using to profit lending $$ on car titles.

You may even hire one of these candidates for your own new car title loan business! Or, find an experienced partner! It’s happened to us many times over the 15+ years we’ve been in the car title loan and payday loan industry.

Now, I’m not suggesting you take advantage of these applicants. Narrow down the candidates to those with real car title loan experience. Tell them you’re researching the title loan space and have not yet decided to start.

At the end of the meeting, offer to pay them for their time. If you learned a lot about the car title loan space, it’s fair to give them a check for $50 – $100 for their time and information. This is your call! It’s about integrity!! I am HAPPY to pay for good information. I think of it as an investment. And paying a great car title loan resource $100 for 60 minutes of their time makes a GREAT deal of sense to me! And again, if you “pull the trigger” and start a car title loan business, this applicant could play a key role in your success!

Here’s a very basic sample script for a “Title Loan Employee Wanted:”

Title Loan Rep

compensation: will discuss
employment type: full-time

Qualifications:Bilingual must peak English/ Spanish
Have a High School Diploma or GED
At least 1 year experience in Title Loan Industry
Reliable transportation
Detail oriented and have the ability to multi-task
Employment stability
Please email your resume!!!

Meanwhile, here’s a chapter-by-chapter description of our 300+ page Manual on “How to Start or Improve a Car Title Loan Business” and make money by lending money on titles to automobiles.

car title loan profits title loan business title loans

08
Aug

Title Loan Marketing Ideas

Posted by CarTitle Team / Marketing

Car Title Loan Marketing Ideas for your Title Loan Business

One of the most frequent questions I receive is, “How do I get more customers for my car title loan business.”

There are a million ways! Let’s begin with a free, simple method: CraigsList.org. Pull up CraigsList.org on your computer and post your car title loan service. It’s not rocket science. Assign this task to a specific employee to be done weekly. In no time this individual will become proficient at this task. Rinse and repeat REGULARLY! There is no reason why you can’t pickup at least a few new car title loan customers; no matter how small your town. And don’t forget to check their work.

Car Title Loan Marketing Ideas

Here’s a nice, real world example of a Posting on Craigslist: This is a real listing!
Title Loans — Instant Cash, Keep your car!!
No Credit Check Necessary!
Get Up To $20,000 Same Day

Need a loan? Have bad credit?… NO PROBLEM!!

We specialize in Automotive Financing and collateral CASH loans. We can give you up to $20,000 instantly, no application fee’s, no pre-payment penalties, and guaranteed lowest interest rates on title loans. You don’t have to sell your car, in fact, you can keep your car and drive it while making payments.

Short Term or Long Term loans up to 36 months financing.

Services we offer. . .
– DMV Registration
– Short and Long Term Loans
– Late Payment Forgiveness
– Your personal online account to view and maintain your loan
– Many payment options to choose from
– No Application Fee’s
– No Pre-Payment Penalties
– Guaranteed lowest rates in the industry
– Up to $20,000
– Same day approval & same day funding
– We credit your account for new referrals

The process is simple and takes only minutes to complete, all you need is the title to your car and you can take home your money the same day. If you have a paid off vehicle and need cash, we can give you a loan based on the value of your car.

We guarantee we will beat any one else’s rates on title loans in the industry.
We can even renew your registration at the time of signing.

Qualifications:
– Car must be 2004 or newer
– Car must be paid off
– Maximum Mileage of 150,000
– You must have the title in your possession

Our company is Licensed and Bonded by the state of California, and we have direct access to the DMV, so we can process your loan immediately.
Do NOT contact me with unsolicited services or offers.
*****************************************************

Are you in the car title loan industry? Or, do you want to get started? Get our “How to Start or Improve Your Car Title Loan Business” now. We have 15+ years of experience in the title loan industry. Let us show you how to make money by lending money. Get our “Bible.”

car title marketing ideas

31
Jul

Car Title Loan Business License & Profits

Posted by CarTitle Team / Florida, Profits

Car Title Loan Business, License & Profits.

Consumers today are in need of quick access to cash without having to jump through hoops. Demand for car title loans continues to increase while “big brother” attempts to put a stop to it. To entrepreneurs on the “outside,” it’s becoming more difficult to start a car title loan business much less operate one without running afoul of the law.

This is an error in perception. Car title loan businesses can be highly profitable. Witness TMX Finance as but one example. Even in a state such as Florida, where the car title loan laws can be a challenge, the creative Team at TMX Finance manage to offer car title loan products. From its Georgia headquarters, TMX Finance operates more than 1,470 stores in 18 states with plans to grow by more than 20 percent each year through 2017.

TMX Finance Car Title

Of course, there are those who question the TMX Finance car title loan product. They rant and rave about the 100%+ APR. But their car title loan customers don’t complain. More and more consumers caught in a financial challenge seek out TMX Finance and the rest of us to solve their emergency.

Yes, there are always a few knucklehead consumers who abuse the product. Be it a loan, a drug, alcohol, sex, chocolate, Coca Cola… someone somewhere is going to misuse our services.

And, of course, there are product and service providers who take advantage of consumers as well. Witness the front page of the Wall Street Journal every day. Banks, hedge funds, car makers, drug companies, and yes LENDERS do stupid things.

Malcolm Gladwell refers to them as “Outliers.”
<br />

But does this mean all these loan product offerings should be outlawed? Certainly not. New entries into the lending industry are appearing almost daily. Technology combined with “big data” underwriting are enabling entrepreneurs to offer financial products to consumers at rates that make sense given the circumstance. At the other end of the scale, your local title loan lender/payday loan providers – now called installment loan lenders – still remain. Why? Because they’re needed. Because of DEMAND! Because the solo-store lender can still make a good profit AND serve her neighbors in need.

Typically, a car title loan is 30 days in duration. Borrowers give the title to their cars, RV’s, boats, motorcycles… for a loan ranging from $100 to several thousand dollars. On the due date, the borrower can pay the interest/fee and renew the loan for the amount of the principal. If the borrower defaults on the loan, the lender can repossess and eventually auction the car to get their loan principal back.

What the anti-title loan contingent doesn’t realize is that we don’t want the car. We would rather “work” with our customer and get them back on track. If this means waiving a late fee or helping our title loan customer avoid a series of NSF’s we’re more than willing.

Fees paid by title loan borrowers are generally in the 8% to 20% per month range. Borrow $1000 for 30 days and it will cost you $80 to $200 per month. These fees are clearly and plainly discussed with each car title loan borrower. No one puts a gun to the head of a borrower. And, despite the claims of our adversaries, we don’t hide the fees or use a 6pt font to disclose the fees.

In Florida, the max interest rate on a title loan is 30%. TMX changed the format of its loans, charging borrowers the maximum interest rate, and then typically adding fees for two types of insurance. One of the policies reimburses InstaLoan if the car (collateral) is damaged. Borrowers who can’t repay their loans must pay fees for a new round of insurance each month to keep their cars.

This Florida lending strategy can achieve an effective annual APR rate of 100+ percent. It enables TMX Finance to continue to serve customers in need. The insurance sold through InstaLoan is provided by Lyndon Southern Insurance Co., a subsidiary of the publicly traded Fortegra Financial Corp.

Do your homework to apply for a car title loan business! Florida title lender applicants seek a license from the Florida Office of Financial Regulation. The lender registers under a statute for for consumer finance companies that offer longer-term installment loans. The title lender law bans the inclusion of insurance with loans. The consumer finance law doesn’t. Our “Car Title Bible” covers each state. If they already exist in your State, you know they’re legal.

How to Start Title Loan Biz

Bottom line? Car title loan products are in demand. Title loan lenders can make a profit and serve their neighbors without abusing them. Lacking your local car title lender, where does a borrower of a few hundred to a few thousand dollars go? Hopefully, their first stop will not be a gun shop! To learn how to start your own car title loan business in any state, check out our “How to Start a Car Title Loan Bible.”

start title loan business title loans

27
Jul

Title loans to Military Members-CFPB Letters Issued

Posted by CarTitle Team / Title Loan Laws

Military title loan interest rates: CFPB sends warning letters to lenders regarding military allotment practices.

Military Title Loan Interest Rates Charged.

The CFPB announced that it sent warning letters this month to several companies that sell retail goods to military service members regarding their acceptance of payments made through military allotments. The military discretionary allotment system allows service members to automatically direct a portion of their paychecks to financial institutions or others of their choosing. This includes car title loan lenders. Effective January 1, 2015, Department of Defense rules were changed to prohibit active duty service members from using allotments for the following types of purchases:

Vehicles, such as automobiles, motorcycles and boats
Appliances or household goods, such as furniture, washers and dryers
Electronics, such as laptops, tablets, cell phones and televisions
Other consumer items that are tangible and moveable.

Start a Title Loan Biz

A sample CFPB warning letter advises that the Consumer Financial Protection Act “prohibits unfair, deceptive, and abusive acts and practices in connection with any transaction with a consumer for a consumer financial product or service, or the offering of a consumer financial product or service.” It also includes the following statement:

“According to your website, ————– seems to be offering
active-duty service members the option to repay loans by military allotment even after January 1, 2015, when the Department of Defense prohibited service members from allotting their pay to buy, lease, or rent personal property. We have not determined whether your conduct violates the CFPA, but we urge you to review your practices to ensure that you comply with all relevant laws.”

This notice does not waive the Bureau’s right to take action based on any violations of Federal law, including violations related to the conduct described above.

In December 2014, the CFPB announced the settlement of a lawsuit filed against a retailer selling merchandise online and in retail stores located near military bases that offered financing through retail installment contracts for alleged unlawful debt collection practices. The lawsuit included claims of alleged unfair conduct by the retailer in connection with the acceptance of payments made through allotments. In April 2015, the CFPB announced a settlement with two companies that processed military allotments and were alleged to have charged fees to service members that the companies failed to adequately disclose.

Do you want to get into the car title loan business? Tired of spending hours on Google looking for answers to your question, “How to start a title loan business.” Get our 300+ page startup Manual delivered to your inbox now! Here’s a list of all the chapters we cover: “How to Start a Title Loan Business.”

We offer 2 methods to invest in our “How to Start a Car Title Loan Business:”

Immediate download in Adobe Acrobat: $237.00
We’ll print and ship it to you: $367.00

military title loans

25
Jul

How to Start a Car Title Loan Business in California

Posted by CarTitle Team / How to Start

How to Start a Car Title Loan Business in California

The Title Loan Industry is Growing in California

The California Department of Business Oversight issued a Report that concluded California’s car title loan market loan transactions more than doubled between 2011 and 2014 to 106,373.

Car title loans are collateralized loans in which a borrower puts up the title to their automobile in return for a loan. In California, lenders must have a California Finance Lender’s License (CFL), a bond, and loan a minimum of $2501.

For entrepreneurs, the most appealing aspect of entering the car title loan industry in California is that the interest that can be charged by the lender is not specified by the State. In California car title loan stores we charge between 8% per month and 24% per month interest. The rate depends on a number of factors. Car title loans are offered to Californians via the Internet as well. The DBO sent out an alert last December noting that California car title loan lenders can legally charge unlimited interest rates on most loans since California state law imposes no minimum or maximum interest rate restrictions on loans of $2,500 or more. In 2014, 99 percent of all title loans made were for at least $2,500, the DBO said.

Car title loan borrowers must be made aware that the lender can repossess the automobile if a borrower fails to make payments per their loan contract.

The California Department of Business Oversight stated that the State’s No. 1 auto title lender leader in volume in 2014 was Loan Mart with 9,827 loans.

Are you an entrepreneur interested in starting a car title loan business? Are you frustrated with “Googling” all day and night to get the answers you need? Do you value your time? If you’re ready to get down to the “brass tacks” and start your own title loan business, get our “How to Start a car Title Loan Business Manual” delivered to your inbox NOW! It’s available as an immediate download in Adobe Acrobat. Want the “printed and shipped version” instead? We’ll take care of it for you. Pick your poison here! Get Our Manual

Immediate download in Adobe Acrobat: $237.00
We’ll print and ship it to you: $367.00

Title Loan Business

25
Jul

How to Start Title Loan Business in Alabama

Posted by CarTitle Team / Alabama

How to Start a Title Loan Business

How to Start a Title Loan Business in Alabama

A common question regarding how to start a car title loan business in Alabama or any other State often begins with title topics. How does a car title loan lender put the loan collateral (the car, motorcycle, RV, boat…) in the lender’s name? How to make certain a title is “clear?” How to make certain the title loan borrower applicant is really the legal owner of the collateral?

Of course, all these questions are answered in our “How to Start a Title Loan Business Manual.” Much of the work we put into our “Manual” is a result of spending many man hours on the DMV websites of all 50 States. And, we’ve learned a LOT about cat title lending as a result of operating our own stores and Internet portfolios.

Below, is a list of frequently asked questions regarding “titles” for the State of Alabama.

Alabama Vehicle Title FAQs

What year model motor vehicles does the State of Alabama title?

Where do I apply for an Alabama certificate of title?

What does it cost to make application for Alabama certificate of title?

What documents will I need to make application for Alabama certificate of title?

How long does it take to receive an Alabama title?

My lienholder is currently holding an out of state certificate of title to my vehicle. How can I apply for Alabama certificate of title when I do not have the outstanding certificate of title to surrender?

How do I apply for a replacement title?

I satisfied the lien on my vehicle and received the Alabama certificate of title with the lien released on the certificate of title. However, I subsequently lost the title. Why do I need a lien release in order to apply for a replacement Alabama certificate of title?

What year model motor vehicles does the State of Alabama title?

Every motor vehicle not more than 35 model years old which is domiciled in Alabama and is required to be registered in Alabama is required to have an Alabama certificate of title. Travel trailers and folding and collapsible camping trailers not more than 20 model years old also are required to have an Alabama certificate of title. Manufactured homes not more than 20 model years old are also required to be titled.

ALABAMA TITLE DEFINITIONS: The term motor vehicle shall include every automobile, motorcycle, mobile trailer, semitrailer, truck, truck tractor, trailer and other device that is self-propelled or drawn, in, upon, or by which any person or property is or may be transported or drawn upon a public highway except such as is moved by animal power or used exclusively upon stationary rails or tracks. Every trailer coach and travel trailer manufactured upon a chassis or undercarriage as an integral part thereof drawn by a self-propelled vehicle.

EXCLUSIONS: No Alabama certificate of title shall be obtained for:
(a) A motor vehicle more than 35 model years old or trailer more than 20 model years old.
(b) A vehicle owned by the United States or any agency thereof.
(c) A vehicle owned by a manufacturer or dealer and held for sale, even though incidentally moved on the highway or used for the purpose of testing or demonstration, or a vehicle used by a manufacturer solely for testing.
(d) A vehicle owned by a non-resident of Alabama and not required by law to be registered in Alabama.
(e) A vehicle moved solely by animal power.
(f) An implement of husbandry.
(g) Special mobile equipment.
(h) A pole trailer.
(i) ATVs.
(j) Snowmobiles.
(k) Off road vehicles.
(l) Junked vehicles.
(m) Boats.
(n)Mobile homes, travel trailers, and mobile trailers designated 1989 year models and prior year models.
(o) Utility trailers. A utility trailer is a vehicle without motive power designed to be drawn by a passenger car or pickup truck.
(p) A folding or collapsible camping trailer more than 20 model years old.
(q) A vehicle for which the Alabama license plate issuing official has verified that the current owner or operator is recorded as the owner or operator on a currently effective certificate of title issued by another state and the certificate of title is being held by the recorded lienholder.

Where do I apply for an Alabama certificate of title?

Applications for Alabama certificate of title must be made through a Designated Agent of the Alabama Department of Revenue. Designated Agents include: County License Plate Issuing Officials, all licensed Alabama motor vehicle dealers, and some financial institutions located in Alabama such as banks and credit unions. An application for replacement title can be submitted directly to the Alabama Department of Revenue by the recorded owner(s) or lienholder.

What does it cost to make application for Alabama certificate of title?
The title application fee is $15.00 for each application for Alabama certificate of title for a motor vehicle. The title application fee is $20.00 for each application for Alabama certificate of title for a manufactured home. Designated agents shall add the sum of $1.50 as the commission for each application processed. County License Plate Issuing Officials may also collect an additional $1.50 commission for each application processed to defray the cost of processing and mailing title applications. Certain counties may also have local fees which are due when an application for title is processed by that County License Plate Issuing Official. Please contact the County License Plate Issuing Official to determine if any local fees apply.

What documents will I need to make application for Alabama certificate of title?

An applicant for Alabama certificate of title must surrender the following documents to the designated agent in order to complete an application for Alabama certificate of title: (a) the outstanding manufacturer’s certificate of origin or certificate of title that is either in the applicant’s name or assigned to the applicant and any documents which support the transfer of the vehicle to the applicant; (b) if the vehicle is currently registered in a jurisdiction which does not title such vehicles, the applicant must surrender the outstanding registration documents which substantiate ownership of the vehicle. Additional documentation may be required if it cannot be determined whether the vehicle meets federal and state safety, emmissions and anti-theft standards.

How long does it take to receive an Alabama title?

Processing times may vary. If you have not received your Alabama title within a reasonable time period, please contact the Designated Agent that completed your title application for assistance. If the Designated Agent cannot provide assistance, you may contact the Title Section at titles@revenue.alabama.gov.

No certificate of title shall be issued for a vehicle for which the Alabama license plate issuing official has verified that the current owner or operator is listed on a currently effective certificate of title issued by another state and the certificate of title is held by a recorded lienholder.

A vehicle normally subject to the Alabama title law would be required to registered without obtaining an Alabama certificate of title first if all of the following requirements are met:
The registrant is listed as the owner or operator on the out-of-state title.
There is a lien recorded on the out-of-state certificate of title.
The title is being physically held by the lienholder and the title was not issued by one of the states listed below.
The vehicle’s owner must provide to the county licensing official a copy of the certificate of title or a print out of the title record from the state if it issues the title in electronic format.

The following is a list of states that sends the valid original title to the owner and not to the lienholder.

Applicants from these states must surrender the out-of-state title to the license plate issuing official and their vehicles will be required to be titled in the State of Alabama:
Kentucky
Maryland
Michigan (unless owner authorizes title to be mailed to lienholder)
Minnesota
Missouri
Montana (unless owner authorizes the mailing with signature)
New Jersey
New York
Oklahoma
South Dakota (unless owner indicates that title is to be mailed to lienholder)
Wisconsin
Wyoming (title may be mailed to either the owner or lienholder as requested)
If the owner has requested that a Michigan, Montana, South Dakota or Wyoming title be mailed to the lienholder, the owner must provide documentation from that state that title was mailed to the lienholder in order to be exempt from titling the vehicle in the State of Alabama.

How do I apply for a replacement title?

An application for replacement title can be submitted directly to the Alabama Department of Revenue by the recorded owner(s) or lienholder. The application fee is $15.00, non-refundable. In addition, an application for replacement title can be processed by any designated agent.
I satisfied the lien on my vehicle and received the Alabama certificate of title with the lien released on the certificate of title. However, I subsequently lost the title. Why do I need a lien release in order to apply for a replacement Alabama certificate of title?

At the time that the lien was released the Department was not notified of this fact. Therefore, when the Alabama certificate of title was lost so was the lien release.

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