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Vehicle Titling

Titling your vehicle with your state’s BMV is the final step to owning your new car.

Vehicle Titling

Ensure your vehicle is titled correctly

Thank you for choosing Elements Financial for your auto loan. The final step in the auto loan closing process is to ensure that your vehicle is titled in your name(s) with Elements Financial FCU as the first lienholder with the Bureau of Motor Vehicles (BMV) or its equivalent in your state.

Below are the next steps to ensure Elements Financial FCU is listed as the first lienholder on your vehicle.

Note: This information only applies if you financed your auto loan directly with Elements Financial. If your auto loan with Elements is through a third party (like The Savings Group, Gravity Lending, or iLending Direct), that company will handle the titling of your vehicle for you. The Savings Group consists of Auto Pay, Rate Genius, and Tresl.

If you purchased a vehicle from a dealership.

Friends eating outside by an RV

If you purchased your vehicle from a dealership and secured auto loan financing directly with Elements, the dealership may submit your title paperwork to the BMV on your behalf. Please contact the dealership to ensure that your registration is submitted to record Elements Financial FCU as the first lienholder.

Our lien information to include on the title is:
Elements Financial Federal Credit Union
225 South East Street, Suite 300
Indianapolis, IN 46202

If you receive the title, please take your title to the BMV and instruct them to send your lien-recorded title to Elements at the address above or contact us at 800-621-2105 or loanservicing@elements.org for next steps.

If you bought out a vehicle lease.

Two girlfriends out for a drive

If you bought out a lease with financing directly with Elements, you should receive your title and bill of sale in the mail. Once the title has been received, please take the title and any documents included with your title to the BMV and instruct them to send your lien-recorded title to Elements at this address:

Our lien information to include on the title is:
Elements Financial Federal Credit Union
225 South East Street, Suite 300
Indianapolis, IN 46202

It is your responsibility to register the collateral in your name and record Elements Financial FCU as the first lienholder. Sales tax may be owed when transferring the title in your name.

If you do not receive your titling paperwork within 4 weeks of your transaction, please contact the company where you leased the vehicle for the status of your title. If they state the paperwork was mailed to Elements Financial, please contact us at 800-621-2105 or loanservicing@elements.org.

If you purchased a vehicle from a private seller.

Family of four loading up the car for a trip

If you purchased from a private seller and financed your auto loan directly with Elements, ensure that the seller signed off on the back of the title as the seller. All parties on the title must sign the back of the title as the seller(s). All parties listed on the loan must sign the back of the title as the buyer. Failure to do so will lead to an inability to transfer the title into your name(s).

It is your responsibility to register the collateral in your name and record Elements Financial FCU as the first lienholder. Please take the signed title and Bill of Sale to the BMV and instruct them to send your lien-recorded title to Elements at this address:

Our lien information to include on the title is:
Elements Financial Federal Credit Union
225 South East Street, Suite 300
Indianapolis, IN 46202

If you refinanced your vehicle with Elements from another financial institution.

Girlfriends out for a drive

If you refinanced your vehicle directly with Elements from another financial institution, all parties being added, removed, or staying on the title will receive a limited Power of Attorney if one is required to title your vehicle. Please sign the limited Power of Attorney in front of a Notary and mail the original notarized document to Elements Financial, 225 S East St, Suite 300, Indianapolis, IN 46202, or use the return envelope included with the Power of Attorney.

The current title should be mailed directly to us from your previous lender. If you receive the title, please contact us at 800-621-2105 or loanservicing@elements.org for next steps.