PNC is a registered mark of The PNC Financial Services Group, Inc.
PNC Vehicle Title Information
View important title
information for completing your loan.
Take your final steps to add PNC as the lienholder on your new Auto loan.
Because you are financing your vehicle loan with PNC, you are responsible for listing PNC as the lienholder.
By taking action to establish PNC's security interest in your vehicle, you ensure that you are fulfilling the terms of your loan agreement with PNC.
Please note every state is different, so the documentation needed for a title transfer or lien placement may vary by state. If additional steps are needed to secure the title, a representative from PNC Bank will contact you.
In order to confirm the requirements in your state, please contact your state titling agency (e.g., Department of Motor Vehicles).
Adding PNC as Lienholder
Onboarding Steps for Each Loan Type
- Notify the dealer that the loan is with PNC and that PNC should be listed as the lienholder on the title.
- If the dealer gave you the title at the time of purchase, you must send it back to PNC (Attn: Title Servicing, 6750 Miller Rd, Brecksville, OH 44141) for PNC to place the lien.
- Confirm your loan was paid off with the other creditor and where the title will be sent. If the title is sent to PNC and the owners on the title are to remain the same, no further action is required.
- If your previous lender sends the title to you and the owners on the title are to remain the same, you must send it to PNC (Attn: Title Servicing, 6750 Miller Rd, Brecksville, OH 44141) for PNC to place the lien.
- If you are removing or adding an owner to or from the title, you must contact your state vehicle titling agency to get state-specific documents to complete the change in title ownership. Once completed, you must send the title to PNC (Attn: Title Servicing, 6750 Miller Rd, Brecksville, OH 44141) for PNC to place the lien.
- If the seller had a loan on the vehicle, confirm with the seller that their loan was paid off with the other creditor and where the title will be sent.
- When removing or adding an owner to or from the title, you must contact your state vehicle titling agency to get state-specific documents to complete the change in title ownership. Once completed, you must send the title to PNC (Attn: Title Servicing, 6750 Miller Rd, Brecksville, OH 44141) for PNC to place the lien.
- Confirm your lease was paid off with the leasing company and where the title will be sent. If the leasing company or dealership sends the title to PNC Bank for the title transfer, PNC will send you the title and paperwork from the leasing company.
- Once you have receipt of the title, you must go to your state titling agency to register the title in your name and list PNC Bank as the lienholder. The title should be sent to PNC (Attn: Title Servicing, 6750 Miller Rd, Brecksville, OH 44141) once it is in your name for PNC to place the lien.
If the title was not provided to PNC at the time of the loan closing, you must send the title to PNC (Attn: Title Servicing, 6750 Miller Rd, Brecksville, OH 44141) for PNC to place the lien.
Paying Off Your Current Loan
Important information to know regarding the title on your Auto loan.
When you financed your loan, you established PNC as the lienholder. When the loan is paid off, you will receive documentation. It is important that you confirm we have the correct address on file prior to paying off the loan.
- If PNC holds a paper title for the collateral, it will be mailed with the Paid in Full letter.
- If PNC did not hold the paper title for the collateral, such as in a state where the customer keeps possession of the title or if PNC never received the title to be placed as the lienholder, only a Paid in Full letter will be received.
- If the vehicle has an Electronic Title, only a Paid in Full letter will be received, and the PNC lien will be released. The final release of the electronic title is dependent upon the process for the individual state’s department of motor vehicles.
Frequently Asked Questions
Answers to common questions about Paying Off Your Current Loan
- As a general practice, when a vehicle-secured loan is paid off, the title/lien is released according to state guidelines. Because each state has different title processing methods, the result of the process will vary by state.
- Use Online Banking or contact PNC to confirm the account is paid in full and is closed, which is required for the lien to be released, and to confirm the account address is accurate to ensure that any resulting mailings are directed to the correct address.
- Once the loan is paid off, you will receive a Paid in Full letter within 7 to 10 days at the account address.
- If still not received, PNC has partnered with VehicleTitleMyWay.com, a service provided by BerkOne that helps our customers obtain lien satisfaction letter requests after the initial payoff letter was sent.
- BerkOne will provide a lien satisfaction letter request as soon as 7 business days after the loan is paid in full.
- Confirm your loan has been paid in full with PNC.
- If a duplicate title is needed for any of the following reasons, a Lien Satisfaction letter can be requested instead of a duplicate title at VehicleTitleMyWay.com:
- Trading in the vehicle.
- Insurance company needs the title.
- Donating the vehicle.
- Selling the vehicle.
- Warranty or gap insurance request.
- Don’t have the title.
- Need to obtain the original title from the state’s department of motor vehicle.
- If a duplicate title is needed for any other reason, the request must be completed with your state’s Department of motor Vehicles (DMV) or equivalent state titling agency (County Clerk, Tag Office, AAA, Public Notary, etc.).
- You may be entitled to a refund of the unearned portion of GAP charges if you purchased GAP, paid off your loan, and one of the following applies to you:
- My GAP contract was cancelled.
- I paid off my loan early.
- If you believe you may be entitled to a refund, contact the dealership where you purchased your vehicle or the administrator listed on your GAP contract.
Frequently Asked Questions
Answers to common questions about a Vehicle Title
A title is an official document that confirms the owner of the vehicle. The title contains your personal and vehicle information and is issued by your state’s vehicle titling agency. You as the buyer must register yourself as the owner on the vehicle title. If you are buying a vehicle that was previously owned by someone else, the title will need to be transferred to your name as the buyer.
KY, MD, MI, MO and NY are title holding states where you as the customer hold the title document. In other states, PNC holds the title document.
A lien is PNC’s legal right to take possession of the vehicle if you do not carry out the terms of your loan. PNC is the lienholder on the vehicle’s title until the loan is paid in full or if you sell the vehicle and the title is transferred.
If you live in KY, MD, MI, MN, MO, MT and NY and are refinancing your vehicle (from a prior lender to PNC), your prior lender will release the lien on the vehicle to PNC. PNC will release the lien after you pay off your refinanced loan. This means you can remove PNC as the lienholder on the title.
For all states except New Jersey, please use the following address:
P.O. Box 313
Wilmington, OH 45177
For New Jersey only, please use the following address:
PNC Bank N.A.
6750 Miller Rd.
Brecksville, OH 44141