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GEORGIA · SELLER GUIDANCE · PRACTICAL GUIDE

Selling a Georgia car with a recorded lien

Resolve the lender’s interest before completing the ownership handover.

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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.

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.

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.

Do not assume an age exception

DOR lists age and title-record exceptions, with exclusions for mobile homes, cranes and vehicles over 10,000 pounds gross vehicle weight. Have the county office determine the applicable route for the actual record.

Official sources.

Sources reviewed September 10, 2026. Use the current instructions for your vehicle and transaction.

Continue with your Georgia sale.

Georgia vehicle sale paperwork checklistComplete the ownership handover and keep the records needed after collection.Replace a missing Georgia vehicle titleUse the recorded owner and lien details to prepare the replacement application.Georgia older vehicles: when a title is optionalThe model year and existing document history both matter.

View all Georgia selling guides and cities

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