How much does a clear title cost in Indiana?

$0 to convert an electronic title to paper after liens clear ($25.00 extra for a speed title); $15.00 for a duplicate title. Confirm the current fee with the Indiana title agency before you apply.

Indiana lien release

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

For a paper title, the lienholder (financial institution or dealer) signs the lien release section on the title or provides a release letter on its letterhead, and Indiana law says it must note the discharge and deliver the certificate to the owner within 10 business days after the final payment. For an electronic lien, the lienholder releases the lien through the BMV e-lien system (the statute says within 10 days of final payment); if no other lien remains, the title stays electronic or is printed and mailed to the owner depending on the owner's chosen format, and once all liens are cleared the owner can ask for a paper title at no charge.

See the Indiana steps Lender out of business?

Checked against official Indiana 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 Indiana

Indiana's e-lien system launched July 1, 2022 through approved service providers, and the BMV page says that after June 30, 2023 any lienholder that conducts at least 12 lien transactions a year must use it; e-liens must be released electronically, not on paper.

Your steps

Getting a clear Indiana title

Fee: $0 to convert an electronic title to paper after liens clear ($25.00 extra for a speed title); $15.00 for a duplicate title.

After your final payment, ask the lender for the lien release; Indiana law gives it 10 business days to release and deliver a paper title (10 days for an electronic release).
For a paper title, check that the lender signed the lien release section on the title or gave you a release letter on its letterhead with the owner's name, release date, and the vehicle's year, make and VIN, signed by an agent or officer who lists his or her position.
For an electronic title, ask the lender to release the lien through the e-lien system; the BMV will then print and mail a paper title if you chose paper, or keep it electronic.
If the title stays electronic and you want paper after all liens are cleared, request a paper title from the BMV at no extra charge (a speed title adds $25.00).
If the title is lost, apply for a duplicate (fee $15.00); a duplicate cannot change owners or liens, so a lien removal must be handled as an amendment.

Official form: State Form 37964 General Affidavit (an option for an individual lienholder releasing a lien; financial institutions use the title section, a letterhead letter or the e-lien system)

If the lender is slow

How long the lender has

Indiana gives the lienholder 10 days after payoff.

The lienholder must note the discharge and deliver a paper certificate to the owner within 10 business days after receiving final payment, or electronically release an e-lien within 10 days, and failure is a Class C infraction. Source: Ind. Code 9-17-5-1.

Lender gone or unreachable

If the lienholder is out of business

Compare other states' procedures

The Indiana BMV lien release page says that if a financial institution lienholder is no longer operating, the vehicle owner should contact the local court for an order directing the BMV to remove the lien. IC 9-17-5-1 has no provision for a lienholder that cannot be found. For other questions, call the BMV at 1-800-457-8283.

Optional paid help

Get the Indiana lien release finished

Your loan is paid off but the title, the release, or the Indiana 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 Indiana rules behind this page

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

Indiana title after payoff questions

How long does a lender have to release a lien in Indiana?: The lienholder must note the discharge and deliver a paper certificate to the owner within 10 business days after receiving final payment, or electronically release an e-lien within 10 days, and failure is a Class C infraction. Source: Ind. Code 9-17-5-1.
Will Indiana mail me the title after I pay off the loan?: For a paper title, the lienholder (financial institution or dealer) signs the lien release section on the title or provides a release letter on its letterhead, and Indiana law says it must note the discharge and deliver the certificate to the owner within 10 business days after the final payment. For an electronic lien, the lienholder releases the lien through the BMV e-lien system (the statute says within 10 days of final payment); if no other lien remains, the title stays electronic or is printed and mailed to the owner depending on the owner's chosen format, and once all liens are cleared the owner can ask for a paper title at no charge. Indiana's e-lien system launched July 1, 2022 through approved service providers, and the BMV page says that after June 30, 2023 any lienholder that conducts at least 12 lien transactions a year must use it; e-liens must be released electronically, not on paper.
What if my lender went out of business?: The Indiana BMV lien release page says that if a financial institution lienholder is no longer operating, the vehicle owner should contact the local court for an order directing the BMV to remove the lien. IC 9-17-5-1 has no provision for a lienholder that cannot be found. For other questions, call the BMV at 1-800-457-8283.
How much does a clear title cost in Indiana?: $0 to convert an electronic title to paper after liens clear ($25.00 extra for a speed title); $15.00 for a duplicate title. Confirm the current fee with the Indiana title agency before you apply.