Because you are refinancing your vehicle loan, you are responsible for listing PNC as the lienholder. By taking action to establish PNC’s security interest in your vehicle based on the instructions below, 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. In order to confirm the requirements in your state, please contact your state vehicle titling agency (e.g., Department of Motor Vehicles).

Instructions:

1. Ensure you have signed all the documents in your loan closing packet and had documents notarized where necessary. If you are closing via mail, return all signed and notarized documents in the pre-addressed envelope you receive.
2. If you are closing at a branch, provide your driver’s license for your banker to make a copy. If you are closing via mail and live in CO, DC, GA, MD, MI, MN, NC, NJ, WA or WV, please include a copy of your driver’s license (front and back) in the pre-addressed envelope you receive.
3. If your previous lender sends the title to you, you must send it back to PNC (Attn: Title Servicing, 6750 Miller Rd, Brecksville, OH 44141) for PNC to place the lien. If you live in KY, MD, MI, MO or NY, PNC will send you a copy of the title to hold for the duration of your loan. Once PNC has established our security interest in your vehicle, you will receive the original title. When the loan is paid off, PNC will send you a lien satisfaction letter. If you do not live in KY, MD, MI, MO or NY, PNC will send you a lien satisfaction letter and the original title when the loan is paid off.
4. 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 in order to complete the change in title ownership. You must pay all fees and taxes assessed by the state or county.

Frequently asked questions:

1. What is a title and what do I need to do with it?

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 (e.g., Department of Motor Vehicles). 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.

2. What is a lien?

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.

If you live in KY, MD, MI, MO 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.

3. What address should the state titling agency use when listing PNC as the lienholder on the title?

For all states except New Jersey, please use the following address:

PNC Bank
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

Because you are taking out an auto loan for a vehicle purchased from a private party, you are responsible for transferring the title to your name and listing PNC as the lienholder. By taking action to establish PNC’s security interest in your vehicle based on the instructions below, you are fulfilling the terms of your loan Agreement with PNC.

Instructions:

1. Ensure you have signed all the title-related documents in your loan closing packet and notarized documents where necessary. If you are closing via mail, return all signed and notarized documents in the pre-addressed envelope you receive.
2. Ensure the seller signs the Authorization to Release Title form in your closing packet.
3. Go to your state titling agency to register the title in your name and list PNC Bank as the lienholder. The state titling agency should send the title to PNC once it is in your name and the lien is placed.
   
   a. If the seller owes money on the vehicle and his/her lender has an existing lien on that vehicle, the seller should receive the title on the vehicle from the previous lender. The seller should contact you (the buyer) to take the title to your state titling agency.
   
   b. Some states require the seller to notarize the title. Please check the requirements for your state with your state titling agency. 
   
   
4. If you are closing at a branch, provide your driver’s license for your banker to make a copy. If you are closing via mail and live in CO, DC, GA, MD, MI, MN, NC, NJ, WA or WV, please include a copy of your driver’s license (front and back) in the pre-addressed envelope you receive.
5. If you live in KY, MD, MI, MO or NY, PNC will send you a copy of the title to hold for the duration of your loan, and once PNC has established our security interest in your vehicle, you will receive the original title. When the loan is paid off, PNC will send you a lien satisfaction letter. If you do not live in KY, MD, MI, MO or NY, PNC will send you a lien satisfaction letter and the original title when the loan is paid off. 

Frequently asked questions:

1. What is a title and what do I need to do with it?

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.

2. What is a lien?

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, MO 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.

3. What address should the state titling agency use when listing PNC as the lienholder on the title?

For all states except New Jersey, please use the following address:

PNC Bank
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

Because you are taking out a lease buyout auto loan, you are responsible for listing PNC as the lienholder. By taking action to establish PNC’s security interest in your vehicle based on the instructions below, you are fulfilling the terms of your loan Agreement with PNC.

Instructions:

1. Ensure you have signed all the title-related documents in your loan closing packet and notarized documents where necessary. If you are closing via mail, return all signed and notarized documents in the pre-addressed envelope you receive.
2. Confirm with the leasing company or the dealership from which you leased the vehicle where to submit the completed Request for Title Lien form in your closing packet and your payoff check
3. Confirm with your leasing company or dealership where they are sending the title and relevant forms to complete the title transfer.
   
   a. If the leasing company or dealership sends you 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 state titling agency should send the title to PNC once it is in your name and the lien is placed.
   
   b. If the leasing company or dealership sends the title to PNC Bank for the title transfer, PNC will send you the title, paperwork from the leasing company, and additional PNC Bank forms to complete the title transfer. You must take these forms to your state titling agency to register the title in your name and list PNC as the lienholder. The state titling agency should send the title to PNC once it is in your name and the lien is placed.
   
   
4. If you are closing at a branch, provide your driver’s license for your banker to make a copy. If you are closing via mail and live in CO, DC, GA, MD, MI, MN, NC, NJ, WA or WV, please include a copy of your driver’s license (front and back) in the pre-addressed envelope you receive.
5. If you live in KY, MD, MI, MO or NY, PNC will send you a copy of the title to hold for the duration of your loan, and once PNC has established our security interest in your vehicle, you will receive the original title. When the loan is paid off, PNC will send you a lien satisfaction letter. If you do not live in KY, MD, MI, MO or NY, PNC will send you a lien satisfaction letter and the original title when the loan is paid off.

Frequently asked questions:

1. What is a title and what do I need to do with it?

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.

2.  What is a lien?

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, MO 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.

3. What address should the state titling agency use when listing PNC as the lienholder on the title?

For all states except New Jersey, please use the following address:

PNC Bank
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