How long does Citizens Auto take to release the lien?

Citizens Auto does not publish a release timeframe on the lender pages we cite in the sources section. Your state may set a legal deadline; check your state page.

What if the title or lien release never arrived?

Citizens Auto does not publish a separate procedure. Ask for the date and method of the release, then check your state title record before requesting a duplicate.

Where do I send a lien release or title request to Citizens Auto?

Phone: 1-866-999-0116. Citizens auto loan title line for a duplicate title or a lien satisfaction.

Citizens Auto lien release

Paid off your Citizens Auto loan? Getting the lien release and title

Everything Citizens Auto says about payoff

Your state may set a deadline; see yours below.

Published contacts Your state's rules

From Citizens Auto pagesWe only record what the lender publishes. Confirm with the lender before sending any original document.

Asking the lender

How to ask Citizens Auto for the release or title

Keep the payoff confirmation and the date the final payment cleared.

Everything Citizens Auto says about payoff

Citizens lists a separate phone line under its auto loan contacts for managing your title: updating the name on the title, changing the titling state, requesting a duplicate title or obtaining a lien satisfaction. Citizens says handling time may vary by state DMV. The page gives no release time and does not describe what happens to the title after payoff.

Call the Citizens auto loan title line at 1-866-999-0116 for a duplicate title or a lien satisfaction. Citizens lists auto loan servicing separately, at 1-800-708-6680.

Want it in writing? Build a free request letter for your records. It never asks for your VIN or loan number.

Published contacts

Where to reach Citizens Auto

Copied from the lender's published pages. Contacts change, so confirm before mailing originals.

Where to send a title or lien release request

Phone: Citizens auto loan title line for a duplicate title or a lien satisfaction: 1-866-999-0116

Other published contacts

The lender describes each one below. Check the purpose before you use one.

Phone: Auto loan servicing; Mon-Fri 7am to 10pm EST and Sat-Sun 9am to 6pm EST: 1-800-708-6680

Your state decides the rest

Lien release rules where the car is titled

Each state sets who sends the title, the lender deadline, and what to do if the lender is gone. Lender out of business?

ALAlabamaDeadline: 10 days after your demand AKAlaskaDeadline: immediately when the lien is satisfied AZArizonaDeadline: 15 business days after the lender receives payment in full ARArkansasDeadline: 10 business days after final payment CACaliforniaDeadline: 15 business days after payoff COColoradoDeadline: 15 calendar days after the loan is paid and satisfied CTConnecticutDeadline: 30 days after payoff (10 days after a demand)DEDelawareDeadline: 30 days after final payment DCDistrict of ColumbiaDeadline: 72 hours after the lien is satisfied FLFloridaDeadline: 10 working days after final payment, for paper titles GAGeorgiaDeadline: 10 days after the lien is satisfied (statute); a DOR page says 5 days for paper titles HIHawaiiNo lender deadline in the sources we cite IDIdahoDeadline: 30 days after the lender receives payoff ILIllinoisDeadline: 21 days after the lender receives payment INIndianaDeadline: 10 business days after final payment, for a paper title IAIowaDeadline: 15 days after your written request KSKansasDeadline: 10 business days after payment and your request KYKentuckyDeadline: one month after payoff (20 days after your signed written demand)LALouisianaNo lender deadline in the sources we cite MEMaineDeadline: 14 days after the lender receives the funds MDMarylandDeadline: 5 business days after full payment MAMassachusettsDeadline: 10 days after payoff (3 days after your demand)MIMichiganDeadline: 14 days after the lender receives the final payment MNMinnesotaDeadline: 15 days after the lien is satisfied MSMississippiDeadline: 14 days after the date of satisfaction, for lenders with a FEIN (electronic release)MOMissouriDeadline: 5 business days after full payment MTMontanaDeadline: 21 days after final payment NENebraskaDeadline: 15 days after payment is received NVNevadaNo lender deadline in the sources we cite NHNew HampshireDeadline: 30 days after payoff (10 days after your demand)NJNew JerseyDeadline: 15 days to file notice with the MVC after the loan is fulfilled NYNew YorkNo lender deadline in the sources we cite NCNorth CarolinaDeadline: 7 business days for electronic liens; up to 30 days for paper titles NDNorth DakotaDeadline: 30 days after payoff (10 days after your demand)OHOhioDeadline: 7 business days after good funds are credited OKOklahomaDeadline: 7 business days after the security interest is satisfied OROregonDeadline: 15 calendar days after the security interest is satisfied PAPennsylvaniaDeadline: immediately when the loan is satisfied (5-day safe harbor for paper titles)RIRhode IslandDeadline: 15 business days after the security interest is satisfied SCSouth CarolinaDeadline: 10 business days after funds are confirmed good (3 business days if paid electronically)SDSouth DakotaDeadline: 20 days after final payment is received TNTennesseeDeadline: 72 hours after the lien is discharged (the lienor reports it to the state)TXTexasDeadline: no later than 10 days after payoff is tendered VTVermontDeadline: 12 business days after a request VAVirginiaDeadline: 10 days after the security interest is satisfied WAWashingtonDeadline: 10 days after proper demand WVWest VirginiaDeadline: 15 days after the lien is paid and satisfied WIWisconsinDeadline: one month after payoff (10 days after your written demand)

We have not published New Mexico, Utah or Wyoming yet. Ask that state's title agency for the lender's release deadline.

Optional paid help

Get the Citizens Auto lien release finished

Your Citizens Auto loan is paid off but the title, the release, or the state record still isn't right. We check the path and prepare the paperwork for you to sign and send.

Do it yourself, free

Follow your state's official steps and use its form, build a free request letter, and use the official lookups. All of it is on this site and none of it needs us.

Paid help

We find the release path for your state and lender and prepare the request and any state form. You sign and send it.

Follow-up: Structured case updates plus lender and state milestone coordination through one final proof check, for up to 30 calendar days after the initial report is delivered. We cannot guarantee a release, a clear title or a date.

Lenders that are out of business or merged, court orders, and bonded titles are not included; those cases are reviewed and quoted separately.

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.

See a sample report for a made-up Texas case: the request letter and follow-up letter, the state record check and the lender's release path

Every guide and official link on this site stays free.

Still paying the loan?

Moving to another state with a Citizens Auto loan

If the loan is still open and you are moving, the lender keeps the title and sends it to the new state.

Citizens Auto out-of-state title transfer

Official sources

Citizens Auto pages behind this guide

Checked Oct 7, 2026.

Citizens: contact us (auto loan servicing and title line)Checked 2026-10-07 ↗
Title / lien

Citizens Auto lien release questions

How long does Citizens Auto take to release the lien?: Citizens Auto does not publish a release timeframe on the lender pages we cite in the sources section. Your state may set a legal deadline; check your state page.
Where does Citizens Auto send the title after payoff?: Citizens lists a separate phone line under its auto loan contacts for managing your title: updating the name on the title, changing the titling state, requesting a duplicate title or obtaining a lien satisfaction. Citizens says handling time may vary by state DMV. The page gives no release time and does not describe what happens to the title after payoff.
What if the title or lien release never arrived?: Citizens Auto does not publish a separate procedure. Ask for the date and method of the release, then check your state title record before requesting a duplicate.
Where do I send a lien release or title request to Citizens Auto?: Phone: 1-866-999-0116. Citizens auto loan title line for a duplicate title or a lien satisfaction.