How do I get my title if my car is paid off but I never received it?

If you paid off your car loan but never received the title, start by contacting your lender to confirm the lien has been officially released. In New Jersey, electronic titles are common and the title may have been transmitted directly to the NJ MVC electronically rather than mailed to you. You can request a duplicate title through the NJ MVC by submitting Form OS/SS-52 (Application for a Duplicate Certificate of Title) with the required fee, which is currently $60. This process typically takes 1-2 weeks by mail or can be expedited in person at an NJ MVC agency.