Electronic Lien and Title Services


Electronic Lien and Title, or ELT, refers to the method of exchanging vehicle, title and lien information electronically with a state's Department of Motor Vehicles. ADD’s ELT systems offer lienholders the opportunity to reduce the handling, storage and mailing costs associated with paper titles by replacing them with electronic titles.

In states that offer ELT, lien notifications and releases are transmitted electronically between the DMV and the lienholder through an authorized service provider. When no paper title certificate exists, titles are referred to as "electronic titles" or “e-titles.” Liens are registered on e-titles electronically through ELT service providers.

ADD's ELT services allow lenders to:

  • Obtain an ELT number necessary to process liens on electronic titles with state DMVs
  • Receive electronic title assignment from a state DMV
  • Request a paper title be mailed directly to the lender without releasing a lien on a vehicle
  • Release a lien on a vehicle and provide the owner notice of the unencumbered electronic title
  • Release a lien on a vehicle and have a paper title mailed directly to the owner
  • Manage electronic liens and titles through an online ELT archive

ADD currently offers ELT access in, Arizona, California, Georgia, Hawaii, Idaho, Louisiana, Massachusetts, Nebraska, New York, Ohio, Pennsylvania, South Carolina, South Dakota, Texas, Virginia, Washington, and Wisconsin. More states will be added as they provide electronic lien title programs. Please keep in mind that participation rules vary for each state.

Florida ELT

As of January 1, 2013, under s. 319.27 and s. 328.15 of the Florida Statute, an Electronic Lien and Title (ELT) process is mandatory for Buy-Here, Pay-Here dealers, finance companies, or any entity that finances vehicles, vessels or mobile homes in Florida.

If you already have an ADD account, you can add ELT access at no additional sign up cost! You'll simply need to complete the required DHSMV forms, sign, and fax them to ADD. FL ELT access is as easy as completing the HSMV 82150 form, Application and Notice of Interest-Electronic Lien and Title Process, and faxing it to ADD. Download the forms and instructions.

For ADD customers, our easy-to-use ELT system is integrated into the current ADD account dashboard, and as always, ADD provides the best service and best pricing available.

Transitioning to an electronic system reduces title fraud and provides electronic notification of lien satisfactions. Electronic Lien Titles are recorded using the HSMV 82040 or 82139 as they have always been. The difference from the former paper system is that the title and lien become electronic when recorded and the title remains electronic until a paper title is requested.

Questions? Check out the Florida ELT FAQs, or email Auto Data Direct's friendly and knowledgeable customer support representatives!

Georgia ELT

Effective January 1, 2014, lenders who recorded five or more security interests or liens on Georgia certificates of title in the prior calendar year, or who have recorded five or more security interests or liens on Georgia certificates of title within the same calendar year, must participate in ELT.

ADD offers Georgia ELT services, as well as access to all other ELT states. Check out the ELT FAQs, or email Auto Data Direct's friendly and knowledgeable customer support representatives!

ELT in other states

If you would like to add state-specific ELT access to your ADD account, contact ADD's ELT customer support toll-free at (866) 923-3123 or by email.

Lenders will complete one remote access agreement and a state-specific form. Lenders will not need to additional remote access agreements to add more states. Please keep in mind that participation rules vary for each state. For example, Hawaii requires that a lienholder have a minimum 25 active liens in Hawaii before being eligible to join their ELT program. Texas allows onboarding of new participants only on a monthly basis.

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More Information

Common questions about the Florida Electronic Title and Lien (ELT) system.