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Commonly asked Title & Lien Release Questions

Q: After I have made my last payment, when will I receive my Title or Lien Release?

A: In most cases, your title and or lien will be released electronically by Roadrunner within 15 days from the date your final payment is settled successfully by your financial institution.

If you are in an electronic title state the Lien will be released by the DMV within 24-48 hours after we release it in their system. If you require a “paper” title from your DMV you will need visit or contact your DMV to secure a paper title.

If you are in a paper title state whereby you or Roadrunner Financial has possession of the title, Roadrunner will release the lien electronically with the respective DMV and mail you a lien release to the address on our record within 15 days from the date your final payment is settled successfully by your financial institution. This process applies to a majority of paper title states.

Please note: State and Postal service processing times may vary by state and location.

Q: Am I in a title holding state?

A: A title holding state is one in which the customer retains the title. When the account is paid in full, instead of receiving a title, the customer will receive a lien release. Title holding states are: Kentucky, Maryland, Michigan, Minnesota, Missouri, Montana, New York, Oklahoma, and Wisconsin. Additionally, some units are not required to be titled, in which case the customer will be sent a lien release.

Q: Am I in an electronic title (ELTs) state?

A: Fourteen states have a mandatory ELT program; these are Arizona, California, Florida, Georgia, Kansas, Louisiana, Massachusetts, Nebraska, Nevada, North Carolina, Pennsylvania, South Carolina, South Dakota, and Virginia. Another ten states have optional ELT programs, these are Colorado, Hawaii, Idaho, Iowa, Michigan, New York, Ohio, Texas, Washington, and Wisconsin.

Q: I need information about how to register my unit or how to obtain my plates.

A: Please contact your selling dealership and they will ensure you have the proper information to register your unit.

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Updated on November 2, 2022

© 2024 Octane Lending, Inc.® (Octane ®) All Rights Reserved. Roadrunner Account Services® (NMLS ID. 1758660) is a subsidiary and in-house servicer for Roadrunner Financial® (NMLS ID. 1525116) a licensed sales finance company. Their parent company Octane is a fintech revolutionizing the buying experience for major recreational purchases.

DISCLOSURE: Prior to utilizing Roadrunner Financial as a lender, all dealerships are subject to underwriting approval by Roadrunner Financial, Inc., in its sole discretion. No loans will be funded without a signed Dealer Agreement between the dealership and Roadrunner Financial, Inc.

APPLY FOR FINANCING & OBTAINING PREQUALIFIED OFFERS: Instant finance offers are considered prequalified credit offers and are subject to credit approval. Not all applicants will qualify. A prequalified offer is not a firm offer of credit, and all applicants are still subject to full credit approval. Other qualifications, terms and restrictions may apply. Applicants are still subject to underwriting and confirmation of the information that was originally entered in the applicant’s online application. Prior to extending a firm offer of credit, a full credit report from one or more consumer reporting agencies will be requested prior to contract generation, which is considered a hard credit pull and may affect an applicant’s credit. A firm offer of credit is not provided until financing contracts are generated. Offers not valid for units used for commercial or business purposes. Offers effective on eligible and qualified units purchased from a participating dealer. To apply for financing for a new or used vehicle with Roadrunner Financial, Inc. (“RF”), you must purchase your vehicle from a select dealer in the RF network and apply online or by calling 646-370-5471. The dealer may be the original creditor and assign the financing to RF. Financing may be available for applicants selecting dealers outside of the RF’s network, but the credit decision and closing process may be different. All applications are subject to credit approval by RF. Additional terms and conditions apply. Offers valid in the U.S. only. Other financing offers are available. Offers void where prohibited. OFFERS SUBJECT TO CHANGE WITHOUT NOTICE.

Approval, rates, minimum purchase requirements and terms offered are based upon the credit bureau (FICO®) score obtained in connection with the prequalified credit application submitted and overall credit worthiness. FICO® Credit Score, key factors and other credit information are based on data from Experian® and may be different from other credit scores and other credit information provided by different bureaus.