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Does A Mechanic’s Lien Override A Title Loan?

  • 2 min read

Regarding vehicle ownership, a mechanic’s lien and a title loan can create a confusing situation for both the vehicle owner and the parties involved in the liens. In short, a mechanic’s lien is a legal claim made by a mechanic or contractor on a vehicle they have worked on as payment for their services. On the other hand, a title loan is a type of loan where the borrower uses their vehicle title as collateral.

The question arises: does a mechanic’s lien override a title loan? The answer is not straightforward, as the priority of liens can vary depending on the laws of the jurisdiction in which the vehicle is located. However, in general, if the mechanic’s lien was filed before the title loan was recorded, then the mechanic’s lien takes precedence. Similarly, in general, if the title loan was filed before the mechanic’s lien was recorded, the title loan takes precedence. 

It is important to remember that each case’s specifics can vary, and the only way to determine the priority of liens in a specific case is to consult with a local attorney. They will be able to provide a more accurate assessment based on the jurisdiction’s laws and the case’s specific circumstances.

In conclusion, whether a mechanic’s lien will override a title loan is a complex answer. It depends on the jurisdiction and the specifics of each case. If you are in a situation where both a mechanic’s lien and a title loan have been filed against your vehicle, it is best to seek a local attorney’s advice to determine the liens’ priority.

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