Important Title Information

Check Ready Title Information

By using the check, you are agreeing to the loan terms and conditions which includes listing  PNC Bank as lienholder on the title. Your Check Ready check is attached to Dealer Instructions which contains necessary information to finalize your vehicle purchase including how to prepare the title work.  You must provide these instructions to the dealer as you are accountable to make sure the title work is completed and PNC Bank is listed as lienholder. Once the loan has been paid in full, PNC Bank will release its lien.

Auto Refinance Title Information

Because you are refinancing your car loan, you may be responsible for transferring the title to your name and listing PNC as the lienholder.

You must take action to ensure that:

  1.  You are listed as the registered owner on the vehicle title; and
  2. PNC Bank is listed as the lienholder on the vehicle title using this address: PNC Bank, P.O. Box 313, Wilmington, OH 45177.

You must pay all fees and taxes incurred to register the title in your name and list PNC Bank as the lienholder.

If your refinance does not involve any changes to ownership on title, then here’s what to expect:

  • At closing, a PNC Bank employee will sign a Request for Title Lien document and you will sign an Authorization to Release Title document. These documents will be sent to the current lienholder with the payoff check, instructing them to send the title or the lien release (in the states in which the physical title is held by the customer) to PNC Bank. 
  • Once the necessary documents are received from the previous lienholder, PNC Bank will complete the appropriate steps to be added as lienholder on the title. 
  • If PNC Bank does not receive the title or lien release from the previous lienholder, you will be contacted via phone, email, or letter, advising what is needed for PNC Bank to secure the lien. Your response is required. If the title was sent to you by the previous lienholder, PNC Bank will provide instructions on where to send so that the title work can be completed.

If you're looking to remove or add an owner to/from the title, you will need to take additional steps. If this is the case, here’s what to expect:

  • At closing, a PNC Bank employee will sign a Request for Title Lien document and you will sign an Authorization to Release Title document. These documents will be sent to the current lienholder with the payoff check, instructing them to send the title or the lien release (in the states in which the physical title is held by the customer) to PNC Bank.
  • Once the necessary documents are received from the previous lienholder, PNC Bank will complete the appropriate steps to be added as lienholder on the title.
  • If PNC Bank does not receive the title or lien release from the previous lienholder, you will be contacted via phone, email, or letter, advising what is needed for PNC Bank to secure the lien. Your response is required. If the title was sent to you by the previous lienholder, PNC Bank will provide instructions on where to send so that the title work can be completed. 
  • If you’re adding or removing an owner from the title, this must be completed through your state vehicle titling agency. Please contact your state vehicle titling agency to see what documents they will need in order to complete the transfer. You must pay all fees and taxes incurred to register the title in your name and list PNC as the lienholder. 

Please note: Every state is different, so the documentation needed for a title transfer and/or lien placement may vary by state. In order to understand the requirements in your state, please contact your state vehicle titling agency

Private Party Title Information

Because you are buying a car from a private party, you and the seller are responsible  for transferring the title to your name and listing PNC as the lienholder.

You and the seller must take action to ensure that:

  1. You are listed as the registered owner on the vehicle title; and
  2. PNC Bank is listed as the lienholder on the vehicle title using this address: PNC Bank, P.O. Box 313, Wilmington, OH 45177.

You must pay all fees and taxes incurred to register the title in your name and list PNC Bank as the lienholder.

The seller may have borrowed money to purchase the vehicle you are now purchasing, and as a result, another lender may have a lien on the vehicle. If that’s the case, here’s what to expect:

  • At closing, the seller will sign an Authorization to Release Title document and a PNC Bank employee will sign a Request for Title Lien document. These documents will be sent to the seller’s lienholder with the payoff check, requesting they send the title or the lien release (in the states in which the physical title is held by the customer) to PNC Bank. Note: The Authorization to Release Title document does not release the seller’s interest. The seller must release their interest as owner, which is handled between you and the seller at your state’s vehicle titling agency. 
  • Once the seller’s lienholder receives the payoff check, Request for Title Lien, and Authorization to Release Title, they will send the title (or lien release in the states in which the physical title is held by the customer) to PNC Bank, still titled in the seller’s name. 
  • You will be contacted by PNC Bank via phone, email, or letter, advising what needs to be done. Your response is required. PNC Bank will then send you the title and additional PNC Bank forms to be used to complete the title transfer. 
  • Once you receive the title or lien release that was sent to you from PNC Bank or the seller’s prior lien holder, you will need to coordinate with the seller to have the title transferred from their name to yours. You and the seller must take the title, lien release (if applicable), and any other required documents to your state’s vehicle titling agency to have the title transferred into your name and file a lien in favor of PNC Bank. Please contact your state’s vehicle titling agency to see what documents they will need in order to complete the transfer. 
  • Upon completion of the title transfer, the state will mail the new title to PNC Bank or to you depending upon the title transfer process in your state. 
  • If additional action is needed, you will be contacted by PNC Bank via phone, email, or letter. 

The seller may not owe money on the vehicle you are now purchasing, and as a result, there may not be a lien on the vehicle. If that’s the case, here’s what to expect: 

  • At closing, a PNC Bank employee will sign a Request for Title Lien document and give this document to you to bring to your state’s vehicle titling agency. This document provides instructions for adding PNC Bank as the lienholder. Note: The loan transaction with PNC Bank does not release the seller’s ownership. 
  • The seller must sign over the vehicle title to you, which is handled between you and the seller at your state’s vehicle titling agency. You and the seller must take the title and any other required documents to your state’s vehicle titling agency to have the title transferred into your name and file a lien in favor of PNC Bank. Please contact your state’s vehicle titling agency to see what documents they will need in order to complete the transfer.
  • Upon completion of the title transfer, the state will mail the new title to PNC Bank or to you depending upon the title transfer process in your state.
  • If additional action is needed, you will be contacted by PNC Bank via phone, email, or letter. 

Please note: Every state is different, so the documentation needed for a title transfer and/or lien placement may vary by state. In order to understand the requirements in your state, please contact your state’s vehicle titling agency.

Lease Buyout Title Information

Because you are buying out your car lease, you are responsible for transferring the title to your name and listing PNC as the lienholder.

You must take action to ensure that:

  1. You are listed as the registered owner on the vehicle title; and
  2. PNC Bank is listed as the lienholder on the vehicle title using this address: PNC Bank, P.O. Box 313, Wilmington, OH 45177.

You must pay all fees and taxes incurred to register the title in your name and list PNC Bank as the lienholder.

What to expect:

  • At closing, a PNC Bank employee will sign a Request for Title Lien document. This document contains instructions for sending the title to PNC Bank, and should be provided to the leasing company with the payoff check. 
  • The leasing company will sign off on the title and send the title to PNC Bank, along with other required documentation for the title transfer. 
  • You will be contacted by PNC Bank via phone, email, or letter, advising what needs to be done. Your response is required. PNC Bank will then send you the title, paperwork from the leasing company, and additional PNC Bank forms to be used to complete the title transfer. 
  • Once you receive the pertinent documents to complete the title transfer, you will need to take these documents to your state vehicle titling agency or tag and title agency to get the title transfer completed. 
  • Upon completion of the title transfer, the state will mail the new title to PNC Bank or to you depending upon the title transfer process in your state. 
  • If additional action is needed, you will be contacted by PNC Bank via phone, email, or letter. 

Please note: Every state is different, so the documentation needed for a title transfer and/or lien placement may vary by state. In order to understand the requirements in your state, please contact your state vehicle titling agency.

Important Legal Disclosures and Information

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