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GEORGIA · SELLER GUIDANCE · PRACTICAL GUIDE

Selling a Georgia car with a recorded lien

For a Georgia vehicle with a lien, arrange the lender’s release before handover. Electronic releases come from the lender; paper records use the applicable signed release.

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Separate the offer and loan balance

Ask the lender for a current payoff and the process for releasing its interest. The vehicle offer does not automatically settle the loan. Agree the payoff arrangement before signing the transfer.

Official guidance and requirements

Electronic releases come from the lender

DOR directs owners to the lender for an electronically recorded release. The department does not perform that release on the lender’s behalf.

Official guidance and requirements

Check paper release documents

For a paper record, the lienholder completes the release section. If the title is unavailable, its guidance provides for a signed T-4 release; the County Tag Office can verify it.

Official guidance and requirements

Check both the title date and model year

DOR lists two release exceptions: a lien recorded at least 10 years from the title’s issue date on a vehicle at least 11 model years old, or at least four years on a vehicle at least 12 model years old. Mobile homes, cranes and vehicles over 10,000 pounds gross vehicle weight still require a release. Have the County Tag Office check the record against these conditions.

Official guidance and requirements

Official sources.

Sources reviewed September 26, 2026. Use the current instructions for your vehicle and transaction.

Continue with your Georgia sale.

Georgia vehicle sale paperwork checklistFor a Georgia car sale, complete the applicable ownership assignment and keep the sale records. Handle registration cancellation and insurance in the required order afterward.Replace a missing Georgia vehicle titleA Georgia replacement title follows the recorded owner and lien information. If the title was lost before reassignment was completed, the previous owner may need to obtain the replacement.Georgia older vehicles: when a title is optionalGeorgia’s older-vehicle title rules use fixed model-year categories and document history. A missing title is not the same as a vehicle that qualifies for optional titling.

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