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Mississippi lien release

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

A lienholder with a FEIN must release the lien electronically within 14 days after the loan is satisfied, or face a civil penalty of up to $250 per violation; under state law a clear certificate of title is issued to the owner once the last lien is satisfied. For a lien on a paper title, the lienholder must execute a release within 10 days after demand and in any event within 30 days, and the owner then mails or delivers the certificate and release to the state so it can release the lienholder's rights or issue a new certificate. DOR's FAQ also describes a paper-title lien release transaction, where the lienholder releases the lien on the title document itself and notifies the state electronically.

See the Mississippi stepsLender out of business?
Checked against official Mississippi 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 Mississippi

Mississippi DOR's e-lien program requires lienholders with a federal employer ID number (FEIN) to release liens electronically through an approved service provider, and state law allows the department to transmit liens electronically and defer issuing a certificate until the last lien is satisfied.

A lienholder with a FEIN must release the lien electronically within 14 days after the loan is satisfied, or face a civil penalty of up to $250 per violation; under state law a clear certificate of title is issued to the owner once the last lien is satisfied. For a lien on a paper title, the lienholder must execute a release within 10 days after demand and in any event within 30 days, and the owner then mails or delivers the certificate and release to the state so it can release the lienholder's rights or issue a new certificate. DOR's FAQ also describes a paper-title lien release transaction, where the lienholder releases the lien on the title document itself and notifies the state electronically.

Your steps

Getting a clear Mississippi title

Fee: $9.00 standard replacement title, or $39.00 for Fast Track.

  1. Ask your lender to confirm it released the lien electronically within 14 days of payoff (or signed the release on your paper title).
  2. If you hold a paper title and release, promptly mail or deliver both to DOR Motor Vehicle Services so it can release the lien or issue a new certificate.
  3. If DOR's clear title does not arrive, call DOR Motor Vehicle Services at (601) 923-7200.
  4. If the title is lost or never arrived, mail a replacement title application (Form 78-006) with the $9.00 fee to DOR Motor Vehicle Services in Jackson; DOR lists 3-4 weeks for standard service, or a Fast Track replacement title for $39.00 within 72 hours of receipt.
If the lender is slow

How long the lender has

Mississippi gives the lienholder 14 days after payoff.

Lienholders with a FEIN must release the lien electronically not later than 14 days after the date of satisfaction, with a civil penalty of up to $250 per violation. Source: Miss. Code 63-21-16(14).

Lender gone or unreachable

If the lienholder is out of business

Compare other states' procedures

DOR's motor vehicle FAQ says to contact Motor Vehicle Services at (601) 923-7200 when a lienholder is no longer operating. State law also treats a motor vehicle lien older than eight years as satisfied and released unless the lienholder recertifies it each year, and lets the Department withhold a title or accept a bond of 1.5 times the vehicle's value (held three years) when there are questions about undisclosed security interests (Miss. Code 63-21-23).

Optional paid help

Get the Mississippi lien release finished

Your loan is paid off but the title, the release, or the Mississippi 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.
Every guide and official link on this site stays free.
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 Mississippi rules behind this page

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

Mississippi title after payoff questions

How long does a lender have to release a lien in Mississippi?
Lienholders with a FEIN must release the lien electronically not later than 14 days after the date of satisfaction, with a civil penalty of up to $250 per violation. Source: Miss. Code 63-21-16(14).
Will Mississippi mail me the title after I pay off the loan?
A lienholder with a FEIN must release the lien electronically within 14 days after the loan is satisfied, or face a civil penalty of up to $250 per violation; under state law a clear certificate of title is issued to the owner once the last lien is satisfied. For a lien on a paper title, the lienholder must execute a release within 10 days after demand and in any event within 30 days, and the owner then mails or delivers the certificate and release to the state so it can release the lienholder's rights or issue a new certificate. DOR's FAQ also describes a paper-title lien release transaction, where the lienholder releases the lien on the title document itself and notifies the state electronically. Mississippi DOR's e-lien program requires lienholders with a federal employer ID number (FEIN) to release liens electronically through an approved service provider, and state law allows the department to transmit liens electronically and defer issuing a certificate until the last lien is satisfied.
What if my lender went out of business?
DOR's motor vehicle FAQ says to contact Motor Vehicle Services at (601) 923-7200 when a lienholder is no longer operating. State law also treats a motor vehicle lien older than eight years as satisfied and released unless the lienholder recertifies it each year, and lets the Department withhold a title or accept a bond of 1.5 times the vehicle's value (held three years) when there are questions about undisclosed security interests (Miss. Code 63-21-23).
How much does a clear title cost in Mississippi?
$9.00 standard replacement title, or $39.00 for Fast Track. Confirm the current fee with the Mississippi title agency before you apply.