The BMV has modified the Application for Certificate of Title for a Vehicle (State Form 205). The new form is required for any sale date of August 1, 2026 or later. However, you can begin using the new form immediately if you would like. Beginning August 1, the old form will not be acceptable. 

VIN Inspections section changes in the new form

The one thing you’ll notice is the new title application form no longer has the VIN Inspection section. Therefore, in cases where a VIN inspection is required, you must fill out the VIN Inspection form separately

To view the new title application, click the image below.

The BMV has changed the way you enter transactions where the sales price is less than the trade. 

When the Trade-In Credit exceeds Vehicle Purchase Price

If the trade-in credit is equal to or greater than the purchase price, use the following:

  • Sales tax exemption code: N ‑ Not Exempt 
  • Purchase Price: the purchase amount 
  • Allowable Trade-In Amount: the trade-in amount 

Important Notes: Because this type of transaction uses the exemption code of
N ‑ Not Exempt, the taxable amount must be ZERO, otherwise sales tax will be charged.   

Be aware that the ST-108Certificate of Gross Retail or Use Tax, is still required and must be scanned along with all supporting documents.

Select the "+" for inside information

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In-state digital title and registration.

In-state digital title and registration with Vitu provides unrivaled speed, service and efficiency to your title and reg process. With intuitive workflows that provide everything you need in one place, Vitu makes your day to day more efficient so deals get done faster.

At Vitu, we know that every state has its own unique forms, terms, and processes. That's why we tailor specific elements to each state in which it's offered and have local experts ready to help — 24/7/365. We also share monthly Quick Tip newsletters — what you’re reading now!

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50-State title and registration.

Vitu Interstate was created with one goal in mind: make out-of-state title and registration simple and accurate — every time.

With Vitu Interstate, take advantage of:

  • Accurate fees
  • Dynamic checklists
  • 50-State ready-to-sign forms
  • Full service title and reg
  • DLDV
  • Full Service Premium — we handle the title and reg for you and your buyers

For all 50 states, Vitu Interstate makes a complex out-of-state process efficient and easy.

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Expedited payoff and title release.

Rather than waiting weeks or even months for lien payoff and title release, Accelerated Title expedites the process, up to 80% faster.

Vitu Accelerated Title allows dealerships to:

  • Access full title details before accepting the trade
  • Automatically calculate reliable date-based payoff amounts
  • Transfer funds directly to the lender via ACH
  • Receive the title in 4-6 days

Learn more

One E-Titling solution — titles in hand 1-3 business days.

Titling a vehicle in your dealership’s name takes time and a lot of paperwork. Enter National Title Exchange (NTX). Requesting a vehicle title digitally brings near-immediate results with a physical title in hand in 1-3 business days — not weeks or months.

NTX is the industry-leading E-Titling solution built to fit the way your dealership runs.

Learn more

In-state digital title and registration.

In-state digital title and registration with Vitu provides unrivaled speed, service and efficiency to your title and reg process. With intuitive workflows that provide everything you need in one place, Vitu makes your day to day more efficient so deals get done faster.

At Vitu, we know that every state has its own unique forms, terms, and processes. That's why we tailor specific elements to each state in which it's offered and have local experts ready to help — 24/7/365. We also share monthly Quick Tip newsletters — what you’re reading now!

Learn more

50-State title and registration.

Vitu Interstate was created with one goal in mind: make out-of-state title and registration simple and accurate — every time.

With Vitu Interstate, take advantage of:

  • Accurate fees
  • Dynamic checklists
  • 50-State ready-to-sign forms
  • Full service title and reg
  • DLDV
  • Full Service Premium — we handle the title and reg for you and your buyers

For all 50 states, Vitu Interstate makes a complex out-of-state process efficient and easy.

Learn more

Expedited payoff and title release.

Rather than waiting weeks or even months for lien payoff and title release, Accelerated Title expedites the process, up to 80% faster.

Vitu Accelerated Title allows dealerships to:

  • Access full title details before accepting the trade
  • Automatically calculate reliable date-based payoff amounts
  • Transfer funds directly to the lender via ACH
  • Receive the title in 4-6 days

Learn more

One E-Titling solution — titles in hand 1-3 business days.

Titling a vehicle in your dealership’s name takes time and a lot of paperwork. Enter National Title Exchange (NTX). Requesting a vehicle title digitally brings near-immediate results with a physical title in hand in 1-3 business days — not weeks or months.

NTX is the industry-leading E-Titling solution built to fit the way your dealership runs.

Learn more

Complete vehicle loan lifecycle management from receipt to release — both paper and electronic.

Title management can be a massive drain on resources, and can easily become a massive headache. With Total Title™, unburden your financial institution from the complexities of vehicle title management. When you partner with Vitu, get immediate access to:

  • Title intake and imaging
  • Title data validation
  • High-speed indexing
  • Secure title storage
  • Title maintenance and release

And much more — hand it off to a trusted operation with 30+ years of experience managing all facets of title management.

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Incredibly efficient lien payoffs and title releases with powerful dealer and insurer integration.

Drive more efficiency and reduce your costs from quote retrieval to receipt of title.

  • Reduce payoff exception processing, including dealer short and over pays
  • Leverage lender-to-lender payoffs for refinance transactions
  • Improve partner experience for dealers, insurers and customers
  • Ensure transparency, compliance, and profitability with 24/7 reconciliation and tracking

Efficient processes, powerful integration and unmatched service — that’s why we’re trusted to manage over 77 million titles for lenders across the US.

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Expedited payoff and title release.

When it comes to ELT, Vitu’s experience gives your financial institution clear benefits designed to increase efficiency, reduce costs and save time:

  • Reduce touchpoints with electronic lien and title
  • Automate matching title with account data and release processing
  • Protect against fraud and improve security
  • Perform real-time title edits, improving accuracy
  • Take advantage of real-time reporting

Vitu is here to support your financial institution through expansion of ELT adoption across the nation.

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Repossession titles in as little as 1 day — 100% digitally.

With NTX, your repossession process reaches a whole new level of efficiency. Rather than waiting weeks or even months to complete every step of the repossession process, use the power of NTX to avoid state delays and be ready for auction or sale.

  • Integrated and accepted at most major auction houses
  • Flexible with both paper and digital titles
  • Up and running in 3 days or less
  • Take advantage of a fully digital process

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Reduce risk, increase lien perfections and revenue all while securing collateral faster.

With Vitu’s digital rails connecting everything you need through one API, experience secure, comprehensive vehicle refinancing from pre-booking to perfection.

  • Save time with expedited lien payoffs and title releases, ACH transfers, dynamic state-specific forms, document checklists and more
  • Enjoy robust refinance process featuring digital signatures, ID verification and remote notary
  • Dramatically reduce risk and exposure with an incredibly quick lien perfection in as little as one day
  • Simplify vehicle titling with any state

Vitu’s unified vehicle lifecycle management streamlines operations for partners, delivering a seamless digital ecosystem — all backed by unmatched support.

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