Vehicle Liens and Titles (Illinois)

By Matthew A. Quick Illinois is a title-holding state, which means a lienholder retains possession of a vehicle title if a lien is applied to the vehicle. Therefore, if a duplicate title is being ordered through the Secretary of State and a lien exists against the vehicle, the title for the vehicle will be sent to the lienholder and not the owner. So, if you are an Illinois resident, cannot locate a title for your vehicle, and have a lien on the vehicle, the title is most likely in the possession of the lienholder. At the time the lien is released is when the lienholder is obligated to send the title to the owner, having executed the release and waiver of the lien.