Electronic Lien & Title

Reduce costs and eliminate delays.

Gain clarity with every transaction

Electronic Lien & Title (ELT) is seamless, secure and powerful

Ditch paper vehicle titles with a nationwide electronic solution

Proven ELT processing built for the way you work

ELT across the nation

Vitu ELT is here to make your life easier

Our comprehensive ELT solution streamlines and manages data exchanges between your financial institution and participating state DMVs, while also helping you perfect and maintain title information.

When it comes to ELT, Vitu’s experience gives your financial institution clear benefits designed to increase efficiency, reduce costs and save time:

• Reduce touchpoints with electronic lien and title
• Automate matching title with account data and release processing
• Protect against fraud and improve security
• Perform real-time title edits, improving accuracy
• Take advantage of real-time reporting

ELT across the nation.

Use this map to explore ELT across the nation and where Vitu is with upcoming initiatives.

As a lender, to participate in ELT, please email sales@vitu.com or call 866-868-5900.

The innovator in title management and ELT solutions

Decades of trust, millions of titles, unmatched expertise Vitu has been at the forefront of innovation in electronic lien and title management for decades. Trusted by lenders, dealers, and insurers nationwide, we continue to lead the way with seamless integrations and a commitment to driving efficiency across the industry.

• Introduced the first-in-the-nation ELT solution in California in 1989
• Serves more than 7,700 lenders across the nation
• Operates in 34 ELT-enabled jurisdictions — and growing
• Manages over 77 million titles, with 65% handled electronically
• Integrates deeply with dealers and insurers nationwide

The world of CMS

End-to-end Collateral Management Solutions

[**Total Title™**

Complete vehicle title management — both paper and electronic](/content/products/totaltitle.html) [**Accelerated Title™**

Incredibly efficient payoffs and releases with powerful dealer and insurer integration](/content/products/atlender.html) [**PerfecTitle™ Refinance**

Reduce risk, increase lien perfections

and revenue all while securing collateral faster](/content/products/refi.html) [**NTX Repossession**

Repossession titles in as little as 1 day — 100% digitally](/content/products/ntx-repossession.html) [**Electronic Lien & Title**

Ditch paper vehicle titles with a nationwide electronic solution](/content/products/elt.html)

Powering progress with next-gen APIs and an expanded ecosystem

Connecting your operations for unprecedented efficiency

The digital rails connected ecosystem, along with APIs, modernize your processes:

Building on our digital rails, Vitu is making strategic investments in transforming your entire CMS experience — and beyond. By rolling out enhanced API capabilities and expanding our services, we are further streamlining title management and lien payoffs like never before. It’s what you’ve been asking for and designed to drive unprecedented efficiency, speed time to title perfection, and significantly improve the consumer experience.

Our ongoing commitment to you — our partners — yields real-world results with new and powerful solutions, quicker turnarounds, and stronger relationships.

With Vitu, you’re not just moving with the industry — you’re leading it.

• Scan-on-Demand
• Paper-to-Electronic
• Lender-to-Lender Payoff
• Lien Lock
• PerfecTitle Refinance
• Title Status API (Title Tracker)
• Total Title
• Accelerated Title
• ELT — Electronic Lien & Title
• NTX Repossession
• Lien Perfection
• Secure Vault
• E-Titling / Digital Titling
• Title Release Management
• 50-State Capabilities
• Real-Time Title Edits
• Inventory Validation
• Loan Resolutions
• Vehicle Payoffs
• Refinance Titling
• Repossession Titles
• Title Auditing
• DMV Registry Integration

An overview of Vitu's Collateral Management Solutions for Lenders

Vitu: The World of CMS — Collateral Management Solutions - YouTube

Tap to unmute

Vitu: The World of CMS — Collateral Management Solutions

Get started with ELT today.

Request Demo

Vitu across the nation.

[Vitu Interstate brochure

Learn more](https://brochures.vitu.com/link/939834/) [Vitu AT for dealers brochure

Learn more](https://brochures.vitu.com/view/1073190734/) [NTX for dealers brochure

Learn more](https://brochures.vitu.com/link/590575/) [Vitu CMS for lenders brochure

Learn more](https://brochures.vitu.com/view/782382899/)