Ask to see the copy of the title to avoid purchasing a vehicle that has been branded as salvaged, lemon, refurbished or rebuilt. Within three months of purchasing or refinancing your car, motorcycle, boat, aircraft or leisure vehicle, a Certificate of Title or other proof of ownership indicating Navy Federal Credit Union as the first lienholder must be submitted to Navy Federal.
If the lien-recorded title isn’t received within that time frame, your loan’s APR may be converted to Navy Federal’s rate for signature/personal loans.
If Navy Federal files for the lien-recorded title, Navy Federal will debit the DMV titling fees from your account.
If you purchased your vehicle from a dealer, they may submit your title paperwork to your local DMV on your behalf with Navy Federal recorded as first lien holder.
If there is a delay in receiving it, contact your dealer to confirm they’ve submitted the necessary paperwork to the DMV. If they already have, contact your state DMV.
If you purchased from a private seller or are titling the vehicle yourself, take the title and a copy of your promissory note to your local DMV and instruct them to send your title to Navy Federal.
If you refinanced from another financial institution, verify with them that the title was mailed to Navy Federal.
Email a copy of proof of ownership to firstname.lastname@example.org or fax it to 703-255-7975 or 703-206-4400.
Navy Federal will hold the copy until the member returns stateside, registers the vehicle at the DMV and records Navy Federal as first lien holder on the title.
If it’s been more than two months since purchasing your car and Navy Federal hasn’t received the title, call us at 888-842-6328 to notify us of the steps you’ve taken to secure the title and any issues you’ve encountered.
The dealer, DMV or other financial institution should submit all paperwork to:
We normally release title to your address on file within ten business days after the loan account is paid in full.
Note: If you have an electronic title in Florida or Ohio, you’ll need to request your paper title from your state DMV at least two days after the title is released.
Other than paying your loan in full, you may request your title for the following reasons:
A: The following documents are acceptable proofs of ownership:
in the U.S.
|Property Type||Required Document|
|New or Used Vehicle||State-Issued Certificate of Title|
|Boat or Trailer||State-Issued Certificate of Title|
|U.S. Coast Guard-Registered Vessel/Boat||Copy of Coast Guard Certificate of Documentation|
|Property Not Titled or Registered Due to State Regulation||Copy of Bill of Sale|
|Aircraft||Copy of FAA Registration|
|Property Located Overseas||New or Used Vehicle||One of the following:
A: The following are the most common state lien holder codes:
A: A lien holder is the financial institution that has an enforceable right on an asset/property as security for a debt.
A: The vehicle identification number (VIN) is assigned to the vehicle by the manufacturer and identifies the year, make, model and other specifications of the vehicle.
A: A Bill of Sale documents a transaction between a seller and a purchaser. In general, it will include the date of the transaction, a description of what is being sold (e.g., make, model, year, VIN, vehicle weight, odometer reading), the dollar amount of the transaction, the city/county and state of the transaction, the names and addresses of the seller and purchaser, and the signatures of both parties.
A: Check with your state DMV to confirm taxes, fees and documentation needed to register and record Navy Federal as first lien holder on your vehicle title. In general, DMVs will require the title signed over to you by the seller, a Bill of Sale documenting the transaction and a copy of your promissory note (i.e., loan contract).
A: If Navy Federal is listed on your title as first lien holder, please email us a copy of the title to email@example.com or fax it to 703-255-7975 or 703-206-4400 within three months of purchase.