The Close X in white
Perfectitle™ Refinance for lenders

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
Vitu across the nation

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

Vitu's connected ecosystem
Everything you need

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

One partner, one contract
One partner, one contract

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

Powerful API
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

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.

Vitu offers end-to-end vehicle lifecycle solutions, providing the digital rails through which vehicle ownership, information, and capital securely move.

Get started with Total Title today.

Request Demo
API Coding is fast and easy
Vitu logo
Why Vitu?
Contact sales
Contact Sales
•
Support
•
Consent Preferences
Privacy Policy
•
Terms
•
API Terms
•
W-9
•
Code of Conduct
•
Supplier Code of Conduct
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.

Electronic Vehicle Registration available in multiple states.

Vitu National Map

Nationwide

Vitu National

Vitu Interstate brochure

Learn more

NTX for dealers brochure

Learn more

Vitu AT for dealers brochure

Learn more

Vitu CMS for lenders brochure

Learn more

California

Vitu California

DMVdesk brochure

Learn more

Vitu Interstate brochure

Learn more

NTX for dealers brochure

Learn more

Vitu AT for dealers brochure

Learn more

Vitu CMS for lenders brochure

Learn more

Oregon

Vitu Oregon

Vitu Oregon brochure

Learn more

Vitu Interstate brochure

Learn more

NTX for dealers brochure

Learn more

Vitu AT for dealers brochure

Learn more

Vitu CMS for lenders brochure

Learn more

Idaho

Vitu Idaho

Vitu Idaho brochure

Learn more

Vitu Interstate brochure

Learn more

NTX for dealers brochure

Learn more

Vitu AT for dealers brochure

Learn more

Vitu CMS for lenders brochure

Learn more

Colorado

Vitu Colorado

Vitu Colorado brochure

Learn more

Vitu Interstate brochure

Learn more

NTX for dealers brochure

Learn more

Vitu AT for dealers brochure

Learn more

Vitu CMS for lenders brochure

Learn more

Texas

Vitu Texas

Vitu Texas brochure

Learn more

Vitu Interstate brochure

Learn more

NTX for dealers brochure

Learn more

Vitu AT for dealers brochure

Learn more

Vitu CMS for lenders brochure

Learn more

Minnesota

Vitu MInnesota

Vitu Minnesota brochure

Learn more

Vitu Interstate brochure

Learn more

NTX for dealers brochure

Learn more

Vitu AT for dealers brochure

Learn more

Vitu CMS for lenders brochure

Learn more

Illinois

Vitu Illinois

Vitu Illinois brochure

Learn more

Vitu Interstate brochure

Learn more

NTX for dealers brochure

Learn more

Vitu AT for dealers brochure

Learn more

Vitu CMS for lenders brochure

Learn more

Wisconsin

Vitu Wisconsin

Vitu Wisconsin brochure

Learn more

Vitu Interstate brochure

Learn more

NTX for dealers brochure

Learn more

Vitu AT for dealers brochure

Learn more

Vitu CMS for lenders brochure

Learn more

Indiana

Vitu Indiana

Vitu Indiana brochure

Learn more

Vitu Interstate brochure

Learn more

NTX for dealers brochure

Learn more

Vitu AT for dealers brochure

Learn more

Vitu CMS for lenders brochure

Learn more

Kentucky

Vitu Kentucky

Vitu Kentucky brochure

Learn more

Vitu Interstate brochure

Learn more

NTX for dealers brochure

Learn more

Vitu AT for dealers brochure

Learn more

Vitu CMS for lenders brochure

Learn more

Virginia

Vitu Virginia

Vitu Virginia brochure

Learn more

Vitu Interstate brochure

Learn more

NTX for dealers brochure

Learn more

Vitu AT for dealers brochure

Learn more

Vitu CMS for lenders brochure

Learn more

Maryland

Vitu Maryland

Vitu Maryland brochure

Learn more

Vitu Interstate brochure

Learn more

NTX for dealers brochure

Learn more

Vitu AT for dealers brochure

Learn more

Vitu CMS for lenders brochure

Learn more

Florida

Vitu Florida

Vitu Florida ETR

Learn more

Vitu Interstate brochure

Learn more

NTX for dealers brochure

Learn more

Vitu AT for dealers brochure

Learn more

Vitu CMS for lenders brochure

Learn more

Pennsylvania

Vitu Pennsylvania

Vitu Pennsylvania brochure

Learn more

Vitu Interstate brochure

Learn more

NTX for dealers brochure

Learn more

Vitu AT for dealers brochure

Learn more

Vitu CMS for lenders brochure

Learn more

Montana

Vitu Montana

Vitu Montana DTO brochure

Learn more

Vitu Interstate brochure

Learn more

NTX for dealers brochure

Learn more

Vitu AT for dealers brochure

Learn more

Vitu CMS for lenders brochure

Learn more

New York

Vitu New York

Vitu New York brochure

Learn more

Vitu Interstate brochure

Learn more

NTX for dealers brochure

Learn more

Vitu AT for dealers brochure

Learn more

Vitu CMS for lenders brochure

Learn more

Massachusetts

Vitu Massachusetts

Vitu Massachusetts brochure

Learn more

Vitu Interstate brochure

Learn more

NTX for dealers brochure

Learn more

Vitu AT for dealers brochure

Learn more

Vitu CMS for lenders brochure

Learn more

Connecticut

Vitu Connecticut

Vitu Connecticut one sheet

Learn more

Vitu Interstate brochure

Learn more

NTX for dealers brochure

Learn more

Vitu AT for dealers brochure

Learn more

Vitu CMS for lenders brochure

Learn more

New Jersey

Vitu New Jersey

Vitu New Jersey brochure

Learn more

Vitu Interstate brochure

Learn more

NTX for dealers brochure

Learn more

Vitu AT for dealers brochure

Learn more

Vitu CMS for lenders brochure

Learn more

North Carolina

Vitu North Carolina

Vitu North Carolina brochure

Learn more

Vitu Interstate brochure

Learn more

NTX for dealers brochure

Learn more

Vitu AT for dealers brochure

Learn more

Vitu CMS for lenders brochure

Learn more

Georgia

Vitu Georgia

Vitu Georgia brochure

Learn more

Vitu Interstate brochure

Learn more

NTX for dealers brochure

Learn more

Vitu AT for dealers brochure

Learn more

Vitu CMS for lenders brochure

Learn more

Ohio

Vitu Ohio

Vitu Ohio brochure

Learn more

Vitu Interstate brochure

Learn more

NTX for dealers brochure

Learn more

Vitu AT for dealers brochure

Learn more

Vitu CMS for lenders brochure

Learn more

Ohio

Vitu South Carolina

Vitu South Carolina brochure

Learn more

Vitu Interstate brochure

Learn more

NTX for dealers brochure

Learn more

Vitu AT for dealers brochure

Learn more

Vitu CMS for lenders brochure

Learn more

Ohio

Vitu West Virginia

Vitu West Virginia brochure

Learn more

Vitu Interstate brochure

Learn more

NTX for dealers brochure

Learn more

Vitu AT for dealers brochure

Learn more

Vitu CMS for lenders brochure

Learn more
Vitu Lending Search Thumbnail