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Does the lien holder have title of your car?

In general, a lienholder, such as a bank or credit union, does not have title to your car. When you purchase a car and finance it through a loan, you are typically given the title to the car, but there will be a lien recorded against the title in favor of the lienholder. This lien represents the bank's security interest in the vehicle and gives them the right to repossess the vehicle if you fail to make your loan payments.

However, there may be variations to this general principle depending on the specific laws and regulations in your jurisdiction. In some states, the lienholder may hold the title to your car until the loan is paid off. It's important to consult with your local laws and regulations, or consult with an attorney, to determine the specific rights and responsibilities of both you and the lienholder in relation to the title and ownership of your car.