You may hear Electronic Lien and Title referred to as ELT.
 

Becoming an ELT Lender

 

South Carolina Electronic Lien and Title (ELT) allows authorized lenders to electronically record and service liens on vehicles, trailers, or mobile homes. This service eliminates mailing, storing, and manually handling paper titles.

If you're a lender, you have two options for participating in ELT:

  1. Proprietary – You may develop a proprietary ELT system to interface with the SCDMV.
  2. Service Provider – The ELT system may be supplied to you through an approved service provider (third party) that works with the SCDMV to provide you with a computer based system to electronically record liens.

The following electronic functions are offered:

  • Lien Notification
  • Lien Release
  • Lien Release Due to Error
  • Print Title
  • Address Change Notification by Lienholder
  • Application Process for ELT Participation 

Lender Application

If you’re a lender interested in participating in this program, you must do one of the following:

SCDMV
Vehicle Compliance Unit
PO Box 1498
Blythewood, SC 29016-0023

You must complete a Memorandum of Understanding with your signature and an SCDMV representative.

If you wish to internally develop the system to communicate directly with the SCDMV, the system must meet the same technical requirements as service providers and achieve system certification. 

By completing the application, you, as the lender and/or service provider demonstrate an understanding and commitment to the all of the following:

  • You may agree to enter into an agreement with an SCDMV approved service provider, or achieve system certification for its own ELT computer system.
  • You must agree to training as required by the SCDMV and/or the agency’s service provider.
  • You must agree to bear all costs for participation in the program such as costs incurred for computer hardware, labor, electronic interface system changes, and transaction processing.
  • You must agree to comply with all rules, policies, procedures, and standards applicable to the ELT program.
  • You must agree to all terms required by the lender and sign a non-disclosure agreement.
  • You must sign a Memorandum of Understanding with the SCDMV before transmitting customer, vehicle, and lien data. 

Service Providers Application

If you are a service provider interested in providing Electronic Lien and Title (ELT) services as an approved ELT business partner, you must request approval in writing and mail it to the following address:

 

         SCDMV

         Vehicle Compliance Unit

         PO Box 1498

         Blythewood, SC 29016-0023

 

You must achieve system certification before providing ELT services to lender(s).

 

The ELT Service Provider Contract must be signed by the service provider and the SCDMV.