*DISCLAIMER

This information represents Auto Data Direct's understanding of the FL DHSMV Electronic Lien and Title (ELT) rule but is not intended to be legal advice nor a substitute for advice of your counsel. Policy changes occur frequently. While we endeavor to update the FAQs regularly, they may be out of date. Users should consult the Florida Department of Highway Safety and Motor Vehicles website and their attorney.

Questions

Florida ELT FAQs

What is an Electronic Lien Title?

What is an ELT Lienholder?

What is the difference between an e-title and an Electronic Lien Title?

How can I verify whether a title is an e-title or an Electronic Lien Title?

There is no lien currently on a vehicle, and the title is an e-title in the customer's name. How do I add a lien if there is no paper title?

I'm a dealer. If there is an electronic lien on a vehicle title, do I need to wait for a paper title to be printed before ownership can be transferred to a new retail purchaser or to another dealer?

What do I do if there is a lien with another financial institution, the title is paper and I am paying off the lien for my customer?

What do I do if there is a lien with another financial institution, the title is being held electronically, and I am paying off the lien for my customer?

Is there a way to get a repossession title without first obtaining a paper title?

Answers

What is an Electronic Lien Title?

An Electronic Lien Title is an e-title with an electronic lien recorded.

What is an ELT Lienholder?

An ELT Lienholder is a lienholder who has the titles to their vehicles held electronically by the Department.

What is the difference between an e-title and an Electronic Lien Title?

A title is only an Electronic Lien Title while there is an active electronic lien on an e-title. For either an e-title and Electronic Lien Title, a paper title has NOT been printed.

How can I verify whether a title is an e-title or an Electronic Lien Title?

ADD's DMV123 Florida records include both title status (paper or e-title) and lien information (lien status and lienholder name).

There is no lien currently on a vehicle, and the title is an e-title in the customer's name. How do I add a lien if there is no paper title?

First, verify that the title status is an e-title. Once you see that the title is an e-title, have your customer sign the HSMV 82139 Notice of Lien. Submit the HSMV 82139, a printout of the title status and appropriate fee to the Tax Collector's office. The lien will be added and show you as the lienholder. The new title will be held electronically and will be considered an Electronic Lien Title.

I'm a dealer. If there is an electronic lien on a vehicle title, do I need to wait for a paper title to be printed before ownership can be transferred to a new retail purchaser or to another dealer?

If the lien is electronic, a paper title will not be printed when the lien is satisfied. Once verification is received that the lien is satisfied, the dealer can transfer ownership to another dealer or retail purchaser. Ownership can be transferred to the dealer, by having the customer trading the vehicle complete an HSMV 82994. Reassignments may continue through Florida dealers by using HSMV 82994.

What do I do if there is a lien with another financial institution, the title is paper and I am paying off the lien for my customer?

First, pay the other financial institution and request the title to be mailed to you. Submit the HSMV 82139, the title and appropriate fee to the Tax Collector's office. The lien will be added and show you as the lienholder, and the new title will be held electronically.

What do I do if there is a lien with another financial institution, the title is being held electronically, and I am paying off the lien for my customer?

First, Verify that the title status is an Electronic Lien Title and print the vehicle record. Have your customer sign the HSMV 82139 Notice of Lien, pay the other financial institution and request the lien satisfaction notice be sent to you. Within 24 to 48 hours after DMV receives the lien satisfaction notification the title status will convert to an e-title. Once the title is an e-title, submit the HSMV 82139, the printout of the title status and a appropriate fee to the Tax Collector's office. The lien will be added and show you as the lienholder, and the new title will be held electronically.

Is there a way to get a repossession title without first obtaining a paper title?

Per DMV Procedure TL-23 the lender would complete Form HSMV 82040 and mark the application to keep it electronic.

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