Vehicle title and lien management for lenders
Accelerate lien perfection, reduce operational costs and ensure compliance across all 50 states.
- Lien perfection
- 50 states, 3,144 counties
- AI deal jacket audit
Fairway is title and lien management software for auto lenders. It audits title packets with AI, generates state-specific checklists, fills DMV forms and follows up on missing documents, so liens are perfected faster, operating costs fall and compliance oversight improves.
Unperfected liens leave collateral exposed
A lien is perfected only once the lender is recorded on the vehicle’s title with the state. Until then the collateral securing the loan is exposed, and every incomplete or incorrect title packet extends that window.
Requirements differ by state and county, and title work often starts with paperwork prepared by dealers. Fairway replaces fragmented manual workflows with an automation platform designed for lenders.
- AI deal jacket audit of dealer-submitted packets
- Checklists for every state, county and transaction type
- Required forms auto-filled from the documents
- Automated follow-up with borrowers and dealers
From funded loan to perfected lien
Receive the packet
Dealer or borrower documents arrive as a PDF. Fairway identifies each one and builds the checklist for the titling state.
Audit before it goes out
AI checks the packet for missing forms, signatures and inconsistent data, and flags exactly what needs fixing.
Complete and file
Forms are auto-filled and missing documents are requested automatically, so the title application reaches the DMV complete and the lien is recorded sooner.
The Fairway modules behind it
50-State Rules Engine
Title and registration rules for every state and county, turned into transaction-specific checklists.
Explore 50-State Rules EngineAI Paperwork Audit
Every field, form and signature checked against state rules before the packet reaches the DMV.
Explore AI Paperwork AuditForm Automation
The right forms surfaced and filled from your documents, ready for submission.
Explore Form AutomationAutomated Follow-Up
SMS, email and phone follow-ups that collect missing documents from customers and partners.
Explore Automated Follow-UpWhat lenders gain
- >50%Cost savings versus the status quo
- 50%Lower error rates
- 2xMore errors found than manual review
Lenders: frequently asked questions
What is lien perfection?
Lien perfection is the step that records a lender as lienholder on a vehicle’s title with the state. It happens when a complete, correct title application is processed by the DMV.
How does Fairway speed up lien perfection?
Most delays come from incomplete or incorrect paperwork. Fairway audits each title packet against state and county rules before submission, fills the required forms and follows up automatically for missing documents, so applications are right the first time.
Can Fairway check dealer-submitted packets?
Yes. Upload the PDF packet and Fairway’s AI deal jacket audit catches compliance errors instantly, before the packet reaches the DMV.
Does Fairway work across states?
Yes. The rules engine covers all 50 states and 3,144 counties, including in-state and out-of-state transfers.
How is borrower data protected?
Data is encrypted in transit and at rest, access is limited by strict role-based controls, and Fairway does not allow its AI providers to train models on customer content.
Fairway across the titling ecosystem
Dealers & Auctions
Funding-ready packets, fewer rejections
Fairway for dealers & auctionsTexas Dealers
Upload the deal jacket, we file it
Fairway for Texas dealersFleet Management
Titles, registrations and renewals at scale
Fairway for fleet managementDMVs
Codify rules, audit applications, serve the public online
Fairway for DMVsPartners
APIs for EVRs, processors and associations
Fairway for partnersSee how Fairway can streamline your titling operations
Schedule a demo to see how Fairway can streamline your titling operations.