Nebraska Electronic Liens & Titles (ELT)

ELT in Nebraska

The Nebraska Department of Motor Vehicles (DMV) implemented the State's Electronic Lien & Title Program (ELT) on October 4, 2010. The program is optional; participating in the ELT program is not required to file a lien. However, the state does not print titles with liens and does not send any other form of notice that the lien was filed. There is a public title inquiry that non-ELT-participants may use to verify their liens. ELT participants receive lien notification messages and title correction messages from the NE DMV through a service provider such as Decision Dynamics, Inc.

In October of 2010, Decision Dynamics, Inc. received approval to begin processing Nebraska titles. Decision Dynamics, Inc. (DDI) works with the NE ELT program by providing a web application called Premier eTitleLien™. Premier eTitleLien™ allows lenders to maintain control of their vehicle collateral while enjoying the benefits of electronic processing and communication. Decision Dynamics, Inc. continues to work with the Nebraska DMV and their customers to improve title and lien management in Nebraska.


More about ELT in Nebraska

What is the Electronic Lien and Title Program?

The Electronic Lien and Title Program is a method by which the Nebraska DMV and lending institutions (lienholders) can exchange vehicle and title information electronically. The NE DMV transmits essential identifying information electronically to the lienholder which eliminates the need to print and mail paper titles. Once the loan has been satisfied, the lienholder sends an electronic message releasing the title at which point the DMV prints and mails a paper title to the vehicle owner.

This process eliminates most of the paper handling involved in the vehicle titling process. Both the lending organizations and the DMV benefit from lower costs associated with processing, mailing, filing and retrieving paper titles.

How does this work?

Very simple:

  1. The lender provides any Nebraska Motor Vehicle Office with the required documents to file a lien. (See the excellent instructions on their Lien Notations page. (Or an application for lien is handled by a dealer.)
  2. The county office records the lien and the Nebraska DMV sends DDI an electronic message with similar titling information as appears on a paper form. This information includes a description of the vehicle and the name and address of the vehicle owner.
  3. DDI receives the message from NE DMV, formats it, and makes it available to the lender in Premier eTitleLien™.
  4. The lender works with Premier eTitleLien™ to validate the lien information.
  5. Once the loan is satisfied, the lender uses Premier eTitleLien™ to release the lien.
  6. The Nebraska DMV then mails a clear title (no lien) to the vehicle owner.

The Nebraska ELT program also has provisions for requesting paper titles (with lien), perfoming research on titles (a title inquiry), and converting paper titles to ELT. Premier eTitleLien™ supports these features, making them as simple and foolproof as possible, and supplements them with additional tools including preparing the Nebraska Title Application form.

What are the benefits of the Electronic Lien and Title System?

Any electronic lien and title system allows lienholders to reduce the handling, storage and mailing costs associated with paper titles by replacing them with electronic titles. In Nebraska, all titles with liens are electronic, but ELT participants benefit in the following ways:

  • Lienholders will receive notification that the lien has been recorded. This notification contains the information that normally appears on a title, allowing the lender to verify that the lien was recorded correctly. (Premier eTitleLien™ makes this very easy.)
  • The DMV will assume responsibility for printing a clear title and mailing it to the owner at lien release. That eliminates situations where owners who have lost a title must come to the lender to request a duplicate.
  • Lienholders who participate in the ELT program will release liens electronically. The state will not accept a paper lien release which helps protect the lienholder against fraud.

Other Benefits:

  • Reduction in title fraud.
  • Faster notification of lien satisfactions.
  • Consolidated, itemized monthly billing for title services.
  • Better customer service.
  • Overall reduced costs.

Additionally, electronic lienholder customers who have satisfied their loan obligations will receive clear paper titles faster, after the lienholder has electronically notified the DMV that the lien has been released.

For more information on Premier eTitleLien™ or participating in the Nebraska ELT program, please visit

Premier eTitleLien® Decision Dynamics, Inc.