Electronic Titles

As of July 1, 2025, titles issued by Service Oklahoma will be in an electronic format, with exceptions listed in the Exceptions to Obtain Paper Titles section. These exceptions include titles issued to dealers, which will continue to default to paper. 

Lienholders can continue to process lien transactions as they currently do—in person, by mail or electronically. 

• The transition to electronic titles will not mandate electronic lien filing.

• Existing paper titles will remain valid and will only convert when a transaction occurs, such as a sale, transfer or lien placement. 

• Oklahoma will still be a title-holding state.

Although the transition to electronic titling will modernize motor vehicle services in Oklahoma, many processes will not change come July 1.

• Electronic title transactions will not be mandatory. Title transactions will still be available in person or by mail.
• Lien processes will not change. Paper and electronic lien processing will both remain available.
• Lienholders will continue to hold titles.
• Electronic lien entry will be optional. Dealers may enter liens on behalf of lienholders, but this will not be required.
• Online dealer slip-in processing remains optional. This process was added in April to support pre-registration needs and can still be completed in person if preferred.
• Licensed dealers will continue to receive paper titles by default unless they opt in to an electronic title.

Although Service Oklahoma will issue electronic titles by default for title transactions starting July 1, there will be limited exceptions that allow for paper titles to be obtained to accommodate the needs of our partners and customers.

• Dealers will continue to receive paper titles by default during initial title transactions. There will be no need for extra steps, additional forms and notarization—just like today. Dealers will also be able to opt in to receive electronic titles if they wish. This allows dealers to obtain paper titles conveniently based on business needs and maintains a familiar process for them and licensed operators.
• A paper title may also be requested in the following situations:  

  • The vehicle is sold at auction. 

  • The vehicle is registered or sold out of state. 

  • The vehicle is used for floorplan lending. 

  • The vehicle is leased (a paper title may be requested six months before the end of lease or when the payoff or buyout is processed). 

If one of the above exceptions applies, customers, dealers and lienholders can submit a Title Print Request Form at a licensed operator location during or after the title transaction. The paper title will be subject to standard statutory fees. 
 
As a reminder, the print request form should be used instead of the duplicate title form when a physical title is needed due to one of the exceptions. The duplicate title form should only be used when an existing paper title has been lost.

Customers, dealers and lienholders can also make title print requests through their OkCARS accounts.

It should take seven to 10 days. Licensed operators usually complete the request within two days before the title is mailed out.

Before the state transitions to electronic title issuance on July 1, we launched several improvements to the Electronic Liens and Titles (ELT) system on April 7. The new features include:

• Dealer Slip-In Titles
  • Dealers can electronically transfer vehicle titles to their names through OkCARS after submitting pre-registrations without canceling the pre-registrations. This process can also be done in person at licensed operators.
• Expansion of Online Vehicle Information Requests (VIR)
  • Dealers and lienholders have the option to pay for expanded vehicle information requests on OkCARS. Alternatively, they can still obtain the reports in person at licensed operators. Meanwhile, the existing limited vehicle information request continues to be available at no cost.
• Dealer Ability to Add Electronic Liens
  • Dealers can add electronic liens for any lienholder via OkCARS.
• Title Confirmation in Customer Accounts
  • Customers can see confirmations of their electronic or paper titles after logging in to their OkCARS accounts.
• Transfers With Electronic Title Bill of Sale
  • Once an electronic title is issued, vehicle ownership is transferred using an Electronic Title Bill of Sale rather than the title itself.

Dealers and lienholders will have the option to pay for expanded vehicle information requests on OkCARS, allowing them to obtain the same full reports that they would receive from a licensed operator.

The expanded VIR will also permit users to enter up to 15 VINs per transaction, providing a more efficient way to request information. Dealers and lienholders will be able to make expanded vehicle information requests 24/7, giving them more flexibility to accommodate their schedules.

Although users will be able to make expanded vehicle information requests on OkCARS, they may still use Form 769 to obtain reports from a licensed operator.

Titles will be issued to customers in electronic format. Customers may create and log on to their OkCARS account to view their electronic title information.

• If a lien is paid off, an electronic title release can be requested.

• The title remains with the lienholder until it is released.

• If a customer buys a new vehicle from a dealership, the customer will receive a Manufacturer’s Certificate of Origin (MCO) – just like the process before July 1. The customer will then bring the MCO, along with other registration documents, to a licensed operator to fully register their vehicle. 

• If a customer buys a used car with an existing paper title, the customer will still receive that paper – just like the process before July 1. The customer will then bring that paper title, along with other registration documents, to a licensed operator to fully register their vehicle.

• If a customer buys a used car that has an electronic title, the seller will fill out an Electronic Title Bill of Sale and give it to the customer in place of a paper title. The customer will then bring the Electronic Title Bill of Sale, along with other registration documents, to a licensed operator to fully register their vehicle.

After registering their vehicle, the customer’s title will be issued electronically and, if applicable, held by the lienholder.

The customer can then log in to their OkCARS account to see confirmation of their electronic title. If there is an active lien, a box would be checked indicating that the lien exists. Once the loan is fully paid off and the lien is released, the box will be unchecked to indicate that a lien no longer exists.

When a customer pays off their loan, they can request an electronic title release to have the electronic title issued in their name with no lien. This will allow them to later sell the vehicle without needing a lien release for the electronic title.

No, the transition to electronic title issuance does not increase costs for vehicle owners. Standard title and registration fees remain the same. 

To sell a vehicle with an electronic title, the customer will utilize our Electronic Title Bill of Sale. This document will take the place of the Oklahoma title and can be downloaded from the Service Oklahoma website to print, fill out and notarize.

All lienholders that currently have active liens in Oklahoma should have already received a letter to set up their OkCARS accounts.

If you did not create your OkCARS account, reach out to ELTaccounts@service.ok.gov for an additional letter with instructions to complete the setup.  

From the lienholder account, you will be able to add a lien, release a lien and request a printed Oklahoma title or a vehicle information request (VIR) printout.

Yes, lienholders may add multiple transactions to their carts through their user accounts. 

No, it is not required to complete transactions online. They can still be done in person at a licensed operator or the Service Oklahoma headquarters. at 6015 N. Classen Blvd., Building 4, in Oklahoma City.

You still have the free vehicle lookup with the limited information. If you require more information than what is available for free, we provide an additional paid vehicle information report. This is the same report you would get from a licensed operator if Form 769 is completed.

From the lienholder account, you will be able to add a lien, release a lien and request a printed Oklahoma title or a vehicle information request (VIR) printout.

To make the process convenient for lienholders, whoever set up the account has the administrative rights to add additional users to the account.

If you choose to file in person, then you will need to provide them with the Electronic Title Bill of Sale completed and assigned to your customer along with the MV-21-A form to file the lien. 

It can be released electronically but it can also be released with the paper process of the lien release letter.

No, the form is not required when filing liens electronically.

The online processing fee is per cart, not per transaction. You can receipt multiple things in one cart. 

No. If the most current title in the account is a paper title, it'll need to be uploaded before a lien can be applied.

They can create customer accounts on OkCARS that allow them to see confirmations of their electronic or paper titles, as well as any active liens.

No, it's up to the lienholder to notify the vehicle owner.

Service Oklahoma is partnering with lienholder service providers to deliver daily title issuance notifications. Multiple national providers have confirmed participation, with additional providers pending.

In the meantime, you already have access to a report on OkCARS that lists the liens associated with a lienholder. We will expand that report ahead of July 1 to also include the title issue date and title type.

All existing paper titles will remain valid after July 1. Only when the next title transaction occurs will a paper title be converted to an electronic record.

No, lienholders are not required to send a paper title to the customer. Before July 1, the customer can visit a licensed operator to obtain a paper title. If the lien release happens after July 1, the customer's title will be issued electronically. Instead of requesting for a paper title at a licensed operator, the customer will use their OkCARS account to view a confirmation of their electronic title.

Lienholders can either use the free or paid vehicle information request to learn what documents are needed to transfer ownership.

You would utilize a lien release letter for the repossession title.

If these are handled in state, no title is necessary. You would utilize the Electronic Title Bill of Sale to transfer ownership. For repossessions, we do not require the title unless the vehicle is being repossessed from someone who had registered with a tribe and/or another state. 

A title will not be required to be uploaded as a document if the current title is electronic. You will utilize the loan documents as the primary document to file the lien. We just need the signature from the customer as well as a page stating the vehicle information as collateral.

The customer will not require a paper title when the lien is paid off. If they decide to sell the vehicle after the lien is paid off, they would utilize the Electronic Title Bill of Sale to transfer ownership. 

You will be able to attain this information by completing a vehicle information request (either the paid or free version). 

You can utilize the free or paid vehicle information request to see this. 

Changing and/or adding a name is considered a transfer title with the state of Oklahoma, so the Electronic Title Bill of Sale needs to be utilized for this change to occur.

Yes, if the paper title is the last title issued on record, we will still accept it. 

The Electronic Title Bill of Sale that will be utilized to transfer electronic titles does require a notary.

This is a title fee, not a paper title fee. The fee will be charged for the electronic title generation. 

No, the full transition to electronic titles does not affect tribal titles. Only Oklahoma-issued titles will be required to be electronic. 

All types of Oklahoma-issued titles, including those for manufactured homes, will be issued electronically.

As of July 1, 2025, titles issued by Service Oklahoma will be in an electronic format, with exceptions listed in the Exceptions to Obtain Paper Titles section. These exceptions include titles issued to dealers, which will continue to default to paper.

What you should know:

• There are no changes to the existing fee structure as a result of this transition.

• The transition to electronic titles will not mandate electronic lien filing. 

• Existing paper titles will remain valid and will only convert when a transaction occurs, such as a sale, transfer or lien placement.

• Oklahoma will remain a title-holding state.

Although the transition to electronic titling will modernize motor vehicle services in Oklahoma, many processes will not change come July 1.

• Electronic title transactions will not be mandatory. Title transactions will still be available in person or by mail. 

• Lien processes will not change. Paper and electronic lien processing will both remain available.

• Lienholders will continue to hold titles. 

• Electronic lien entry will be optional. Dealers may enter liens on behalf of lienholders, but this will not be required. 

• Online dealer slip-in processing remains optional. This process was added in April to support pre-registration needs and can still be completed in person if preferred. 

• Licensed dealers will continue to receive paper titles by default unless they opt in to an electronic title.

Although Service Oklahoma will issue electronic titles by default for title transactions starting July 1, there will be limited exceptions that allow for paper titles to be obtained to accommodate the needs of our partners and customers.

• Dealers will continue to receive paper titles by default during initial title transactions. There will be no need for extra steps, additional forms and notarization—just like today. Dealers will also be able to opt in to receive electronic titles if they wish. This allows dealers to obtain paper titles conveniently based on business needs and maintains a familiar process for them and licensed operators. 
• A paper title may also be requested in the following situations:  

  • The vehicle is sold at auction. 

  • The vehicle is registered or sold out of state. 

  • The vehicle is used for floorplan lending. 

  • The vehicle is leased (a paper title may be requested six months before the end of lease or when the payoff or buyout is processed). 

If one of the above exceptions applies, customers, dealers and lienholders can submit a Title Print Request Form at a licensed operator location during or after the title transaction. The paper title will be subject to standard statutory fees.

As a reminder, the print request form should be used instead of the duplicate title form when a physical title is needed due to one of the exceptions. The duplicate title form should only be used when an existing paper title has been lost.

Customers, dealers and lienholders can also make title print requests through their OkCARS accounts.

It should take seven to 10 days. Licensed operators usually complete the request within two days before the title is mailed out.

Before the state transitions to electronic title issuance on July 1, we launched several improvements to the Electronic Liens and Titles (ELT) system on April 7. The new features include:

• Dealer Slip-In Titles
  • Dealers can electronically transfer vehicle titles to their names through OkCARS after submitting pre-registrations without canceling the pre-registrations. This process can also be done in person at licensed operators.
• Expansion of Online Vehicle Information Requests (VIR)
  • Dealers and lienholders have the option to pay for expanded vehicle information requests on OkCARS. Alternatively, they can still obtain the reports in person at licensed operators. Meanwhile, the existing limited vehicle information request continues to be available at no cost.
• Dealer Ability to Add Electronic Liens
  • Dealers can add electronic liens for any lienholder via OkCARS.
• Title Confirmation in Customer Accounts
  • Customers can see confirmations of their electronic or paper titles after logging in to their OkCARS accounts.
• Transfers With Electronic Title Bill of Sale
  • Once an electronic title is issued, vehicle ownership is transferred using an Electronic Title Bill of Sale rather than the title itself.

Dealers and lienholders will have the option to pay for expanded vehicle information requests on OkCARS, allowing them to obtain the same full reports that they would receive from a licensed operator.

The expanded VIR will also permit users to enter up to 15 VINs per transaction, providing a more efficient way to request information. Dealers and lienholders will be able to make expanded vehicle information requests 24/7, giving them more flexibility to accommodate their schedules.

Although users will be able to make expanded vehicle information requests on OkCARS, they may still use Form 769 to obtain reports from a licensed operator.

Titles will be issued to customers in electronic format. Customers may create and log on to their OkCARS account to view their electronic title information.

• If a lien is paid off, an electronic title release can be requested.

• The title remains with the lienholder until it is released.

• If a customer buys a new vehicle from a dealership, the customer will receive a Manufacturer’s Certificate of Origin (MCO) – just like the process before July 1. The customer will then bring the MCO, along with other registration documents, to a licensed operator to fully register their vehicle. 

• If a customer buys a used car with an existing paper title, the customer will still receive that paper – just like the process before July 1. The customer will then bring that paper title, along with other registration documents, to a licensed operator to fully register their vehicle.

• If a customer buys a used car that has an electronic title, the seller will fill out an Electronic Title Bill of Sale and give it to the customer in place of a paper title. The customer will then bring the Electronic Title Bill of Sale, along with other registration documents, to a licensed operator to fully register their vehicle.

After registering their vehicle, the customer’s title will be issued electronically and, if applicable, held by the lienholder.

The customer can then log in to their OkCARS account to see confirmation of their electronic title. If there is an active lien, a box would be checked indicating that the lien exists. Once the loan is fully paid off and the lien is released, the box will be unchecked to indicate that a lien no longer exists.

When a customer pays off their loan, they can request an electronic title release to have the electronic title issued in their name with no lien. This will allow them to later sell the vehicle without needing a lien release for the electronic title.

No, the transition to electronic title issuance does not increase costs for vehicle owners. Standard title and registration fees remain the same. 

To sell a vehicle with an electronic title, the customer will utilize our Electronic Title Bill of Sale. This document will take the place of the Oklahoma title and can be downloaded from the Service Oklahoma website to print, fill out and notarize.

Most of the changes taking effect on April 7 involve behind-the-scenes processes that don't directly require action from customers. The only features that require customer action are:

• Optional Online Title Confirmation in Customer OkCARS Accounts: This provides added convenience for customers and is not mandatory.

• Transfers With Electronic Title Bill of Sale: Not many vehicles have electronic titles yet, so few customers are affected. For those who have an electronic title already, transferring vehicle ownership is largely the same as doing it with a paper title; the only difference is that an Electronic Title Bill of Sale will be used in lieu of a physical title.

Because new physical titles will no longer be given to customers, title printouts will only be limited to special circumstances as noted above. The conversion to electronic titles will likely reduce the number of duplicate title requests because customers will no longer be required to keep up with paper documents.

You will still have the same two-day window to make certain changes.

The documents are the same ones that are required when processing an in-person title transaction, which may vary depending on the type.

No, licensed operators are still responsible for VIN inspections.

No. Liens will continue to be accepted in person or online. Only titles are required to be issued electronically starting on that date, with limited exceptions as noted above. However, customers will still conduct title transactions in person. 

No, the form is not required when filing liens electronically.