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That's completely normal. Your lender needs to wait for your payment to clear, make sure that it doesn't get reversed, and then file your release of lien paperwork. After that, they send that information to your local DMV/BMV/DOT office, and then they have to update the title in their system, and then send it to you.
To replace a lost or damaged vehicle registration, you must complete and submit the Affidavit of Loss section of the Affidavit of Loss/Release of Interest form. If replacing a lost title, all registered owners must sign this form in the presence of a notary public.
Instead of printing a paper title and mailing it to the lienholder, the WA DOL transmits title information electronically to the lienholder's ELT service provider. The ELT program lowers processing costs and increased efficiencies for all parties by eliminating the mailing, filing and retrieving of a paper title.
Selling Car in Washington: Necessary Paperwork Application for Certification of Title and/or Registration. Claim for Refund. Bill of Sale. Odometer Disclosure Statement. Plate Cancellation Form. Report of Sale and Delivery of Title. Damage Disclosure Statement.
Yes, title loans are legal in Washington State, but they are tightly regulated by state laws that aim to protect consumers.
Yes you are liable for those vehicles. I would 100% file the report of sale. The $13.00 is nothing compared to the the $1000+ bill when one of those cars gets abandoned and towed off.