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Liabilities: The money you owe.

Lien: A legal claim on a piece of property until the debt or obligation is satisfied.

Liened Vehicle: A liened vehicle is a vehicle that has an outstanding loan obligation. The Certificate of Title for the vehicle lists the individual(s) as the registered owner with the lender listed as the lienholder.

Lien-Free Vehicle: A lien-free vehicle is owned outright by an individual(s), listing that individual(s) on the title as the registered owner. There is no outstanding loan obligation on a lien-free vehicle.

Loan-to-Value Ratio: The relationship between the amount of the loan and the appraised value of the vehicle, expressed as a percentage.


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