Title services

Whether you need to register your vehicle in a new state, change the name on a title, or get information about what happens when a loan is paid off, our knowledgeable team is here to help.

GECU’s knowledgeable team
is here to help

  • Request a duplicate lien release
  • Get a state-to-state change completed
  • Learn what to expect when your loan is paid off

I need a duplicate lien release.

To request a lien release, use our Duplicate Lien Release request form. There is a $25 fee associated with this request which will be collected prior to submission. You will need your vehicle's VIN, a debit/credit card, and your 5-digit zip code in order to complete this form.

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.

I am moving to a new state and need to register my vehicle.

To submit a state-to-state title change, complete our State-to-State Change request form and we will send the title on file to your local DMV/title agency. There is a $50 fee associated with this request which is collected prior to submission. You will need your vehicle's VIN, a debit/credit card, and your 5-digit zip code to complete this form. If your account has previously been paid in full, you will need to contact your local title agency for further instructions as GECU is no longer the lienholder.

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.

I paid off my loan - what can I expect to receive?

Congratulations, you’ve paid off your loan! Now what?

10 business days after the loan is paid off, we’ll mail you a letter indicating your vehicle is paid in full; this letter will also include title information. If you need to update your mailing address, log in to Online Banking or our mobile app or contact us.

Note: We do not store titles at GECU office locations; they are not available for pick-up.

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: For vehicles titled in the state of Ohio, you have the option to receive an electronic title (preferred) or a paper title. Upon receiving a confirmation letter from GECU indicating your loan has been paid in full, you do not need to do anything if you prefer an electronic title.
    • If you want to request a paper title, you must email GECU within seven (7) days of the date on the confirmation letter; please include the name(s) on the title and the Vehicle Identification Number (VIN) in this email.
    • If we do not hear from you within seven (7) days, the lien will be released electronically. For more information on your electronic title, visit: https://bmvonline.dps.ohio.gov.
  • Indiana: After receiving documentation indicating your lien has been satisfied, you may visit your local Titling Office to apply for a new title (fees may be charged by the Title Office). We will notify the Indiana BMV to release the lien on the title, and you will receive a physical title by mail. For more information, visit: in.gov/bmv/titles/liens.
  • Kentucky: Kentucky: After your loan is paid off, we’ll 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.

I need to add/remove or change a name on my title.

You will need to contact our Phone Loan Department for further information on what is required. You can reach them at: 513.243.5626.

I just purchased/refinanced my car and need to register.

Congratulations on your new vehicle! Before you can register your vehicle, the title must be transferred into your name. This process and timeframe can vary depending how the vehicle was acquired.

  • Dealership Purchase: If you purchased your vehicle from a local dealership, you will need to contact the dealership's title clerk to inquire about the status of your title.
  • Private Seller/Refinanced from Another Financial Institution: If the vehicle was purchased from a private seller or you refinanced from another financial institution, General Electric Credit Union will process your title work with the county clerk’s office. Please allow 3-4 weeks to receive a memorandum title or proper documentation to register your vehicle. On rare occasions, we may need your assistance in completing the title work; should that be the case, we will notify you.

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.

General Electric Credit Union is a full-service financial institution headquartered in Cincinnati with branches in Ohio and Kentucky.

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