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Lost Title or Active Lien? We Can Help.

Missing your title or still making payments? Neither one stops you from selling to Fast Penny. We handle the paperwork, pay your lender directly, and take on the DMV legwork — so you can hand over the keys and get paid.

50
States title help
$0
Out of pocket
24hr
Lender payoff
100%
Paperwork handled

Selling With a Lost or Missing Title

A lost title is one of the most common situations we handle, and it rarely slows a sale down. As long as you’re the registered owner, we can guide you through a duplicate title or the right transfer paperwork for your state. Here’s how it goes.

1
Confirm ownership

We verify you are the registered owner using your ID and any records you have on hand.

2
Prepare the paperwork

Our title team preps the duplicate-title or transfer documents required in your state.

3
Inspect and finalize

We confirm the car’s condition and lock in your Penny-Value offer.

4
Get paid

Sign, hand over the keys, and walk away paid — often the same day.

What You’ll Typically Need

Requirements vary by state, but most title and lien sales come together quickly once you have a few basics on hand. Check off what you’ve got below to see how ready you are.

Do You Have What You Need?

Tap what you already have. If something is missing, we can usually help you get it.

0% ready

Selling With an Active Loan or Lien

Still owe money on the car? No problem. We deal directly with your lender, pay off the exact balance, and route any remaining value straight to you. You never have to front the payoff yourself.

1
You accept the offer

Lock in your Penny-Value with no obligation.

2
We pay your lender

The exact payoff goes straight to your lienholder.

3
You keep the rest

Any value above the payoff is yours, paid on the spot.

Positive vs. Negative Equity

Whether your car is worth more or less than what you still owe changes what happens at payoff. Either way, we show you the exact numbers before anything is signed.

Positive Equity
Car worth more than you owe

We pay off your lender and hand you the difference in cash.

Negative Equity
Car worth less than you owe

Cover the small gap yourself or roll it into the paperwork — we show you the exact numbers before you sign.

Built for the Complicated Cases

Lost titles, active liens, out-of-state paperwork — the situations that make other buyers walk away are the ones we handle every day.

Direct Lender Payoff

We contact your lienholder and settle the balance directly, so you never front the money.

DMV Paperwork Handled

Duplicate titles, transfers, and release-of-lien forms — we prepare the documents for your state.

No Complexity Fees

A lost title or active loan never costs you extra. The offer is the offer.

Let’s Sort Out Your Title

Don’t let a missing document or a remaining balance keep you from selling. Start your offer and our title team will walk you through the rest.

Still Holding a Loan or a Lost Title?

Start your offer and our title team will handle the lender payoff and the paperwork for you.

Get Your Offer
Start Your Journey

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