Florida Electronic Lien and Title System

The electronic lien and title program offered in Florida allows those holding a lien on a vehicle to correspond using electronic and digital storage rather than issuing paper titles. Lienholders have to opt to join the Florida Electronic Lien and Title System, as it is not mandatory. Still, use of the electronic lien and title program offered in Florida allows lienholders to keep car title costs low because they do not have to handle, store or send through the mail printed titles or correspondence related to the vehicle title. To learn more about the electronic lien and title program offered in Florida, select from the following options:

  • What is the Florida Electronic Lien and Title System?
  • Using the Florida Electronic Lien and Title System Online
  • Benefits of Electronic Lien and Title Systems in Florida

What is the Florida Electronic Lien and Title System?

What is an electronic title in Florida? An electronic title is a vehicle title that is created digitally and is stored on a computer server and database. Florida e-titles for cars are as legally binding as their paper counterparts.

Florida Electronic Lien and Title Systems allow the lienholders to communicate and to send correspondence about the titles to the FLHSMV offices. Most lienholders within the state have switched over to using this type of titling service exclusively, and no paper titles even exist for most registered vehicles. Because of the electronic lien and title program offered in Florida, titles and all information pertaining to a specific title can be accessed electronically by owners, lienholders, state services, and on a limited basis, the public. Download our free guide to learn which vehicle details are available to the public through electronic titles. Note that the electronic lien and title program offered in Florida is not the same service that offers a VIN check or a driving history record.

Using the Florida Electronic Lien and Title System Online

The Florida Electronic Lien and Title System will take the title application papers, either from the dealership or the bill of sale from a private transaction, and enter them into the FLHSMV database. The lienholder is sent an electronic version of the title, as well as a notification that the title has been entered and that it exists. When the car is paid off, the electronic lien and title program offered in Florida will receive a lien satisfaction notice from the lienholder. The car title is stored long-term in the Florida Electronic Lien and Title System until the new vehicle owner wishes to have a paper title issued. Those Florida drivers who have cars using e-titles can request the paper titles either online or in person. There is a fee to do so, but it is usually nominal. In Florida, a car title can also be accessed through the county tax collector's office.

Lienholders will very often allow access to the Florida Electronic Lien and Title System to third-party providers. These providers offer software services for managing the large volume of titles for the lienholder's company. When this occurs, the electronic lien and title program offered in Florida will receive notification of the lien satisfaction directly from the service, rather than the lienholder. The lienholder is still responsible for contacting the owner of the car to notify him or her of the satisfaction of the loan.

Benefits of Electronic Lien and Title Systems in Florida

Many benefits of electronic lien and title systems exist for both the lienholders and the actual owners of vehicles in FL. One of the greatest advantages of using the electronic lien and title program offered in Florida is that the incidences of fraud have been significantly lowered in the state. With the reduction of paper being used, most lienholders' costs are kept lower. Car owners who complete making all of the required payments receive notifications faster through the Florida Electronic Lien and Title System than they would by waiting for notifications to be sent through regular mail. It is vastly easier to track titles, vehicle purchases and sales, as well as the histories of vehicles, by utilizing the electronic systems. Most Florida residents love the Florida Electronic Lien and Title System, as it makes it very convenient to request a title, receive a title immediately and it saves a trip down to the FL DHSMV offices. Not all lienholders utilize the Florida Electronic Lien and Title System, but the majority does. It is projected that all lienholders will switch over to the Florida Electronic Lien and Title System within the next few years.