Wisconsin Department of Transportation

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Title to lien holder

What does it mean?

When you take out a loan to purchase a vehicle, the title will be delivered to the lender rather than to you.

Starting July 30, 2012, Wisconsin Division of Motor Vehicles (DMV) will begin delivering titles to lien holders consistent with recent statute changes. Any title with a lien (loan) listed on or after July 30, 2012 will be sent to the lien holder rather than the owner. Lien holders may choose to have either paper or electronic titles. Owners of vehicles will receive a Confirmation of Ownership (form T056) and will receive the actual title when all liens are paid off.

Note that if you already have your title (even if it lists a lien holder), nothing changes. You can keep it. Titles will only be issued to lien holders on or after July 30, 2012.

What are the advantages?

  • Title is securely held by the lender
  • Fraud prevention and consumer protection
  • Wisconsin joins 40+ other states who handle titles in this manner
  • Movement toward a paperless environment
  • The title is delivered to the owner when all liens are paid

What about electronic titles?

On July 30, 2012, when a lien is listed against a vehicle, lien holders are encouraged to receive titles electronically through a service provider. If a lien holder chooses to receive electronic titles, a paper title would not be issued to the lender or owner until the lien is satisfied.

More information on title to lien holder and electronic titling for:

Questions? Contact us: Wisconsin DMV email service

Last modified: December 4, 2012

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