Your auto loan is paid off! Now what?

1. Capital One is responsible for releasing our lien. Once your loan is paid off, we will release our lien from your title. 

2. Make sure you have no other liens on your vehicle. This ensures that no one else has ownership rights to your vehicle. You can get a lien-free title by contacting your local Department of Motor Vehicles and updating their records. See our guide to title release for more state specific information about changing and removing liens from your title.

3. The process for getting your title after you pay off your loan will vary by state. Here’s the process by state:
   
   AZ, CO, GA, ID, IN, IA, KS, LA, MI, MD, MS, NE, NV, NJ, NC, OK, SC, SD, VA, WI: We’ll notify the DMV to release the lien. The title will be sent to the mailing address on file with us.
   
   CA, MA, PA, TX, WA: We’ll notify the DMV to release the lien. The title will be sent to the address registered with the DMV.
   
   FL, OH: We’ll notify the DMV to release the lien. You’ll need to contact the DMV directly for a copy of the title.
   
   KY, MN, MO, MT, NY: The registered owner should already have a title on hand. If not, contact the DMV. We’ll send you the lien release letter by mail. In the case of NY, we’ll also notify the DMV to release the lien.
   
   AL, AK, AR, CO, CT, DC, DE, HI, IL, IN, ME, MS, NH, NM, ND, OH, OR, RI, TN, UT, VT, WV, and WY: Your title will be sent via regular mail to the address we have on file.

Contact your state's DMV if you have additional questions.