Title services

Unless additional information is required, your request will be fulfilled within 24 business hours. You will receive email confirmation when the request has been completed.

This request form may require you to answer verification questions, which can only be answered by the vehicle's registered owner.

Please allow 4-6 weeks to complete this request. You will receive email confirmation when the request has been completed.

The titles must be sent to the DMV/title agency to ensure that title clerks have the required documentation.

This request form may require you to answer verification questions, which can only be answered by the vehicle's registered owner.

Our industry-leading partner in title processing utilizes a centralized location with professionals experienced in all 50 states. This is a standard practice and allows for a more efficient process.

The process varies depending on the state you reside in, but generally the lien holder (in this case, GECU) will notify your state’s DMV, either electronically or by submitting paperwork indicating you have paid off your loan. There may be a delay to ensure the loan payoff funds clear your account and to allow for the processing of title paperwork. For our most common states:

• Ohio: Your title may be held in one of two ways, either as a paper title or electronic title.
  1. For paper titles held with GECU, it will be mailed to your address on file within 14 business days. 
  2. You can see if your title is being held as an electronic title and confirm the release with the state by visiting: bmvonline.dps.ohio.gov/bmvonline/titles/titlesearch. Once released, you may visit any County Clerk of Courts Title Office for a clear, paid-in-full title (fees may be charged by the Title Office). To locate Clerk of Courts county offices or find additional details, visit: bmv.ohio.gov/titles.
• Indiana: Your title may be held in one of two ways, either as a paper title or electronic title.
  1. For paper titles held with GECU, it will be mailed to your address on file within 14 business days.
  2. For titles held at the Indiana Titling Office or for electronic titles, you may visit your local Titling Office to apply for a paper title (fees may be charged by the Title Office). Electronic titles will be released electronically with the state. If no other lien is listed on the vehicle, the title will be printed and mailed to the owner(s). For more information, visit: in.gov/bmv/titles.
• Kentucky: GECU will issue a Termination Statement. In the state of Kentucky, you hold the paper title; keep your Termination Statement with your paper title until you’re ready to trade-in or sell your vehicle. For more information, visit: drive.ky.gov.
• Once you have your title in hand, store it in a memorable, safe place, like a fireproof lock box. If the time comes when you want to trade-in or sell the vehicle, it’ll be easy to locate. 

The Electronic Lien and Title Program is a method allowing some state BMV’s and lending institutions (lien holders) to exchange vehicle and title information electronically. The BMV transmits information electronically to the lien holder which eliminates the need to print and mail paper titles. Once the loan is satisfied, the lien holder sends an electronic message releasing the title.

After the loan is paid in full, there is a standard 10-business day processing period and then you will be mailed a paid-in-full letter, which includes information about your title.

Unfortunately, no. We do not store titles at GECU office locations. Your paid-in-full letter with title information will be mailed to your address on file 10-business days after the loan is paid off.

Please visit your local BMV/DMV title office for more information and requirements.

The credit union does not hold copies of memorandum titles. You may request another memorandum title at your local title office. You will need to bring your state-issued photo identification and funds to cover the fee for a printed copy (fees vary by state and may be found on the title offices website).

Vehicle inspections can be completed at most BMV’s, sheriff’s offices, or dealerships. Please call ahead to confirm their availability.