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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.

Get started with Total Title today.

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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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