What is a lien-free title?

In order to be eligible for an auto title loan, your vehicle’s title must be lien-free. What does that mean? A lien-free title is one without any loan attached to it. If you own your vehicle and are not making any payments on it, you have a lien-free vehicle. If you are making payments on your car, you are not eligible for a title loan because your title is not lien-free.