How much does a clear title cost in Arkansas?

$10.00 replacement title fee, payable to the Department of Finance and Administration. Confirm the current fee with the Arkansas title agency before you apply.

Arkansas lien release

Paid off your car in Arkansas? How the lien comes off the title

Arkansas law says a lienholder that holds the certificate of title must, within 10 business days after receiving final payment, sign a release (on the title or in the form the Office of Motor Vehicle prescribes) and mail or deliver the title and release to the next lienholder or, if none, to the owner or a person the owner authorizes. If a prior lienholder holds the title, the paid-off lienholder must instead deliver a release to the owner within the same 10 business days. The owner then applies to the Office of Motor Vehicle for a title without the lien.

See the Arkansas steps Lender out of business?

Checked against official Arkansas sourcesLast reviewed Sep 28, 2026. Every fact below links to its source at the end of the page.

After the last payment

What happens to the title in Arkansas

Electronic lien status not verified

Your steps

Getting a clear Arkansas title

Fee: $10.00 replacement title fee, payable to the Department of Finance and Administration.

Confirm the lender received your final payment, then ask for the title and a signed release. Arkansas gives the lender 10 business days.
Complete the Application for Title or Replacement Title and sign it yourself. If joint owners are joined by AND, both sign. If they are joined by OR, either may sign.
Attach the lien release and the $10 fee, payable to the Department of Finance and Administration. The release is the Official Release of Lien or Permission to Issue Replacement Title (Form 10-315) or the lender's signed release.
Apply at a state revenue office, or mail the application, check, registration copy and lien release to Department of Finance and Administration, Special License Unit, P O Box 1272, Little Rock, AR 72203.
Allow at least three weeks. The Office of Motor Vehicle notifies the lienholder, which has 10 business days to say the release is not valid before the title is issued to you.

Official form: 10-315 Official Release of Lien or Permission to Issue Replacement Title

If the lender is slow

How long the lender has

Arkansas gives the lienholder 10 days after payoff.

The lienholder must execute the release within 10 business days after receiving final payment, and a lienholder that does not comply owes the person who paid off the lien $25 for the first five business days, doubling every five days after, up to $500 per lien. Source: Ark. Code 27-14-909.

Lender gone or unreachable

If the lienholder is out of business

Compare other states' procedures

Arkansas DFA says an owner who claims a recorded lien is satisfied must provide a lien release document. The Office then notifies the lienholder. If the lienholder does not object within 10 business days, the Office issues the replacement title to the owner. DFA lists a form called Statement of Fact for Issuance of a Bonded Title. Ask DFA at 1-501-682-7076 whether it applies to a lienholder that is out of business.

Optional paid help

Get the Arkansas lien release finished

Your loan is paid off but the title, the release, or the Arkansas record still isn't right. We check the path and do the paperwork with you.

We find the release path for your state and lender from official sources.
We prepare the lien release or clear-title request, and any state form, for you to sign and send.
We track the lender and the state until the record shows the lien released.

One-time $89 for a paid-off loan whose title still shows the lien. We show the work, terms, exclusions, and delivery date before payment.

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By lender

What your lender says about payoff

Each page covers what the lender publishes about releasing the lien, timing, and contacts.

Official sources

The Arkansas rules behind this page

Recheck the agency page before you apply. Statute copies from third-party sites are labelled.

Arkansas title after payoff questions

How long does a lender have to release a lien in Arkansas?: The lienholder must execute the release within 10 business days after receiving final payment, and a lienholder that does not comply owes the person who paid off the lien $25 for the first five business days, doubling every five days after, up to $500 per lien. Source: Ark. Code 27-14-909.
Will Arkansas mail me the title after I pay off the loan?: Arkansas law says a lienholder that holds the certificate of title must, within 10 business days after receiving final payment, sign a release (on the title or in the form the Office of Motor Vehicle prescribes) and mail or deliver the title and release to the next lienholder or, if none, to the owner or a person the owner authorizes. If a prior lienholder holds the title, the paid-off lienholder must instead deliver a release to the owner within the same 10 business days. The owner then applies to the Office of Motor Vehicle for a title without the lien.
What if my lender went out of business?: Arkansas DFA says an owner who claims a recorded lien is satisfied must provide a lien release document. The Office then notifies the lienholder. If the lienholder does not object within 10 business days, the Office issues the replacement title to the owner. DFA lists a form called Statement of Fact for Issuance of a Bonded Title. Ask DFA at 1-501-682-7076 whether it applies to a lienholder that is out of business.
How much does a clear title cost in Arkansas?: $10.00 replacement title fee, payable to the Department of Finance and Administration. Confirm the current fee with the Arkansas title agency before you apply.