How to Remove Cosigner from Car Title | An Expert Guide

How to Remove Cosigner from Car Title

Car title loans are a popular short-term solution to financial needs. Today, many lenders are offering these loans to consumers through online platforms. You get a loan in exchange for your car’s title when you take a title loan. It is not a loan for your vehicle but a loan for the value of your vehicle.

When you go to buy a car, the seller will most of the time ask you to get a cosigner on your car loan.

A cosigner is like a second pair of signatures on the car loan papers. The cosigner takes on the responsibility of repaying the car loan if you default. It is, however, possible to remove a cosigner on your car title. Here is how to do that.

How to Remove Cosigner from Car Title

How to Remove Cosigner from Car Title

​Legal Way to Remove Cosigner from Car Title

State law says that cosigners on a car title can remove if they stop being liable for the loan. To do so,

  • Submit a request to the DMV and complete payment.
  • You’ll get a statement and a form returned to you.
  • Complete the form and replace it with a copy of the title and total fee for the remaining balance on loan.
  • Once you’ve sent everything in, the process should take about a month.
  • You should be ready to use the title for the car once it’s returned to you.

How Can I Get Rid Of A Cosigner From A Car-Title At The DMV?

How Can I Get Rid Of A Cosigner From A Car-Title At The DMV

The DMV will not allow you to remove a cosigner from your title unless you can prove that the cosigner cannot be financially responsible for their portion of the car. If the cosigner is dead, you will require supplying a licensed replication of the death certificate and evidence of right. You cannot remove the cosigner until you show the DMV that he is deceased.

If the cosigner has filed for bankruptcy, you will need to provide a letter from the bankruptcy court vouching that he cannot be financially responsible for the car.

If the cosigner has declared the car stolen and you have a police report, you can remove the cosigner. In this case, the cosigner will no longer be responsible for the vehicle. If they damage the car, they will be liable for the damages.

How to Remove Your Name from a Car Title with an Additional Person?

How to Remove Your Name from a Car Title with an Additional Person

To clear your character from the title, you will require seeing the car finance. If funded, the lender will require removing the vehicle’s lien. But if the lender won’t release the lien, you will need to go through the court system to remove the lien.

When you add a person’s name to the title as an additional security holder, the lender will require them to have a lien. If the lender does not release the lien, the only way to remove the name from the title is by going through the court system and having the lien removed.

Documents You Needed To Remove Cosigner from Car Title

The primary and most crucial factor that you have to do is to get a reproduction title in your automobile. You can get it by visiting the Department of Motor Vehicle (DMV) office or one of the licensing offices in your state. You must also ensure that you have certain documents ready with you, such as a duplicate title application. 

Your license, registration card, automobile title, and receipt for the most recent registration renewal are valid. An exact title fee does base on the type of vehicle.

If you want to cancel one person’s name, you must also provide a notarized document that states that you are the legal owner of the car and the other person who is making the request and is having his name removed. If everything goes well, you’ll get the duplicate title within a few days.

Other Possibilities to Remove Cosigner from Car Title 

If the car title has both names, he can remove his name from the title. He needs to have a certified copy of his death certificate (notarized and translated if it is not in English) and a bill of sale for his share.

He must apply for a new title in his name alone in the state where the car locates, and then he can re-register the vehicle in his name only in his home state. If you don’t want your name on the title anymore, you’ll need the same documents as above, and you can leave the other person’s name on it.

States Law for Removing a Cosigner from Your Title 

  • To remove a cosigner from your title, you have to follow the state’s laws in which you live.
  • In some states, the person who cosigned for the car is still on the title even after the loan pay off, which creates risk for the cosigner if the borrower stops making payments.
  • In some states, the cosigner will not release until the car pay off, even if the loan pay off early.
  • If the car pays off early, the title should be sent to the state DMV so that the cosigner can release it.
  • The car title should send to the DMV within 30 days of paying off the loan.
  • In some states, you’ll need to get a sworn statement from your cosigner, freeing them from liability.

Frequently Asked Questions

What Does Cosigner Release Mean?

  • It means the cosigner will no longer share the same credit score with you. 
  • It indicates you are not needed to include a cosigner with your loan origination.

Have You Asked Your Cosigner To Release Your Consignation?

  • No, I haven’t asked them.
  • Yes. They said they would.
  • Yes, but they haven’t done it yet.

Is It Necessary To Have A Cosigner On A Car Title?

  • Yes, it requires by law.
  • It is strongly recommended.

If You Could Remove A Cosigner From A Car Loan, Would You?

  • Yes, 
  • Maybe, I don’t think I’ll ever be able to afford the loan on my own. 
  • No, I don’t have sufficient money to pay the loan myself.

What’s The Best Way To Remove A Cosigner From A Vehicle?

  • Promote the auto and pay off the loan in complete.
  • Get rid of your cosigner and take over the payments yourself.
  • Find another cosigner to take over your share of the loan.


In conclusion, if you do not need a cosigner on your car title, there are many benefits, such as better credit and getting the best rates for your loan. If you’re ready to start, call your auto title company right immediately!

If you live in California and own a vehicle with a lienholder, it’s probably time to remove that additional cosigner on your car title.