Paid off your Upgrade Auto Finance loan? Getting the lien release and title
Upgrade says it will release your title or lien once the auto financing is paid off, by instructing the titling agency to release it under that state's guidelines. It says processing time varies by state.
How to ask Upgrade Auto Finance for the release or title
If nothing arrived, see the next step below.
Email or call Upgrade's auto servicing team with the year, make, and VIN of the vehicle, and it will pull up the lien release documentation.
If it never arrived: If you paid off in the past and cannot find your title or lien release, contact Upgrade with the year, make, and VIN and it will access your lien release documentation. Upgrade says it cannot provide new titles, so a replacement title has to come from your local DMV.
Upgrade Auto Finance title and lien release contacts
Copied from the lender's published pages. Contacts change, so confirm before mailing originals.
- Email: lost title or lien release requests and title updates after a move
- autoservicing@upgrade.com
- Phone: lost title or lien release requests (Monday-Friday 5AM-7PM PT, Saturday and Sunday 6AM-5PM PT)
- (855) 598-1271
Get the Upgrade Auto Finance lien release finished
Your Upgrade Auto Finance loan is paid off but the title, the release, or the state 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.
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?
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- District of Columbia
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
Moving to another state with a Upgrade Auto Finance loan
If the loan is still open and you are moving, the lender keeps the title and sends it to the new state.
Upgrade Auto Finance pages behind this guide
Checked Sep 28, 2026.
Upgrade Auto Finance lien release questions
- How long does Upgrade Auto Finance take to release the lien?
- Upgrade Auto Finance does not publish a release timeframe that we could verify. Your state may set a legal deadline; check your state's page.
- Where does Upgrade Auto Finance send the title after payoff?
- Upgrade says it will release your title or lien once the auto financing is paid off, by instructing the titling agency to release it under that state's guidelines. It says processing time varies by state.
- What if the title or lien release never arrived?
- If you paid off in the past and cannot find your title or lien release, contact Upgrade with the year, make, and VIN and it will access your lien release documentation. Upgrade says it cannot provide new titles, so a replacement title has to come from your local DMV.
- How do I contact the Upgrade Auto Finance title department?
- Email: autoservicing@upgrade.com (lost title or lien release requests and title updates after a move). Phone: (855) 598-1271 (lost title or lien release requests (Monday-Friday 5AM-7PM PT, Saturday and Sunday 6AM-5PM PT))