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Accelerated Title™ for Lenders

Accelerate lien payoffs and title releases like never before.

Work smarter, reduce costs and build trust

Efficient title management for lenders

Take advantage of quick title transfers for lenders

Do more, faster — experience the Accelerated Title difference
Vitu across the nation

Expedited vehicle
payoff and title release
is 80%1 faster

With Accelerated Title, connect with your customers, dealers and insurer partners like never before. Efficient processes, powerful integrations and unmatched service — that’s why we’re trusted to manage over 77 million titles for lenders across the US.

Accelerated Title Lender flow

Enter the fast lane with Accelerated Title

Accelerated Title ACH advantages speed the process to as fast as 4-6 days

Start

Payment initiated

Payment initiated

Payment amount verified and payoff initiated via ACH

1ST-2ND days

Finalize the deal

Finalize the deal

Wait for approval of funds

3RD day

Verified & Cleared

Verified and Cleared

Payment verified. Funds transfer cleared

NO REJECTIONS ALLOWED

4TH day

Title released

Title released

Lender receives funds, title release triggered

More than just moving the needle

Put the pedal to the floor

Vitu Accelerated Title combines the power of the Total Title solution and collateral management to drive more efficiency and reduce your costs from quote retrieval to receipt of title.

Digital payoff quotes and electronic payoffs reduce inbound calls, improve your dealer and insurer experiences while dramatically reducing expensive and inefficient paper check processing. This allows you to:

  • Reduce payoff exception processing, including dealer short and over pays
  • Increase operational efficiency by reducing inbound calls and paper check processing
  • Lower operational expenses by optimizing staff time
  • Improve partner experience for dealers and insurers
Accurate payoff quotes
Accurate payoff quotes
Fewer payment errors
Fewer payment errors
Reduced support calls
Reduced time-consuming support calls
Less manual data entry and title tracking
Less manual data entry and title tracking

Frictionless lender-to-lender payoffs

Streamline your refinance payoff process

Digital payoff quotes and electronic payoffs reduce inbound calls, improve your dealer and insurer experiences while dramatically reducing expensive and inefficient paper check processing. This allows you to:

  • Decrease inbound calls to your call center/IVR
  • Reduce receipt and processing of paper checks
  • Improve payoff accuracy
  • Help mitigate fraud risk
  • Accelerate account closures, lien releases, and time to title
Accelerated Title for Dealers

Drive efficiency and strengthen relationships with dealers and insurers

NTX is the ultimate solution for dealers to title vehicles — fast

Take advantage of powerful simplicity

Accelerated Title streamlined workflows provide greater service value to dealers and insurers, allowing for more efficient operations and overall simplicity.

Here’s how:

Vehicle acquisition and trade-in
Online payoff quotes

One interface streamlines provider recovery processes to deliver accurate refunds

Speed to retail
Electronic payments

Funds are transferred via ACH and cleared by the 4th business day, triggering title release

Vehicle have a lien?
Nightly reconciliation

Daily transactions are recorded in Lenders’ systems for accurate financial tracking

Skip duplicate titles
24/7 Title tracking and summary reports

Dealers and insurers use Vitu to track payments and title releases, reducing lender call volume

Trust 30+ years of title processing expertise

Unmatched peace-of-mind

We are a trusted title management partner for lenders across the Nation with over 30 years of expertise. Vitu simplifies the entire vehicle payoff and lien release process, providing insight, transparency and peace of mind.

Transactions processed

Millions

Payoffs facilitated

$110B+

Participating lenders

170+

View the list here

Top lenders in auto finance

15 of 25

The world of CMS

End-to-end Collateral Management Solutions

Total
Title

Complete vehicle title management — both paper and electronic

Accelerated
Title

Incredibly efficient payoffs and releases with powerful dealer and insurer integration

PerfecTitle Refinance

Reduce risk, increase lien perfections
and revenue all while securing collateral faster

NTX
Repossession

Repossession titles in as little as 1 day — 100% digitally

Electronic
Lien & Title

Ditch paper vehicle titles with a nationwide electronic solution

An overview of Vitu's Collateral Management Solutions for Lenders

1 Based on the average industry time frame of 22+ days for vehicle payoff and title release processing

Vitu connects lenders, dealers, remarketers, consumers and jurisdictions.

Get started with Vitu Acclerated Title today.

Request Demo
The Vitu Platform — Digital Title and Reg in one place
AICPA SOC Audit logo

Vitu has successfully completed the American Institute of Certified Public Accountants (AICPA) Service Organization Controls (SOC) 1 Type II audit, demonstrating its effective protection of confidential client data.

Vitu is an approved NMVTIS Data Provider.

Copyright © 2026 Vitu, Inc.

Vitu, Vitu Accelerated Title, Accelerated Title, Total Title and PerfecTitle are trademarks of Vitu, Inc.

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Vitu across the nation.

NTX Digital Titles across the nation