# Vehicle refinancing made simple

## A tailored solution for your credit union or financial institution

### Ease your financial institution's burden of loan servicing

#### Take advantage of streamlined, compliant workflows for your credit union or financial institution

##### Increased lien perfections and revenue — with less risk

## From pre-book to perfection, all in one place

### Reduce risk, increase lien perfections and revenue all while securing collateral faster — keep your portfolio in the green and headache free

#### Vitu’s digital rails connect all of our services leaving you with one easy solution

##### Everything you need

Vitu’s ecosystem puts the entire refinance process in a single solution.

##### One partner, one contract

One solution means there is no need to vet or contract with multiple vendors.

##### Powerful API

From payoff and lien release to title perfection, Vitu’s PerfecTitle™ Refinance handles it all — and more.

## Portfolio perfection is within reach

### With ReFi, remove the barriers to more revenue and perfect liens faster

- Save time with expedited lien payoffs and title releases, ACH transfers, dynamic state-specific forms, document checklists and more
- Enjoy the most experienced and robust refinance process featuring digital signatures, ID verification and remote notary
- Dramatically reduce risk and exposure with an incredibly quick lien perfection in as little as one day
- Simplify vehicle titling with any state — submit the transaction to Vitu and our experts handle the rest
- Stay informed with 24/7 tracking and reporting and lien perfection visibility
- Provide customers the level of service they expect while securing your collateral

## 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

[Watch on Vitu: The World of CMS — Collateral Management Solutions](https://www.youtube.com/watch?v=z7Qx5CUIzpY)

## Get started with Total Title today.

[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/)