The Close X in white
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
Vitu across the nation

Streamline your title management with Electronic Lien & Title (ELT)

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
How Vitu ELT works

ELT across the nation

ELT streamlines and automates title management

Vitu is here to support your financial institution through expansion
of ELT adoption across the nation. Our commitment and
coordination with jurisdictions puts us at the forefront of new
initiatives and requirements, keeping you — our partner — one step
ahead of any changes and in compliance with state regulations.

Electronic Lien & Title across the nation

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

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

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

Get started with ELT 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.

The Close X in white

Vitu across the nation.

NTX Digital Titles across the nation