Q: Can my bank withhold a vehicle title/lien release after I pay the loan off if I still owe them on a separate loan
A: Possibly, if they have a cross collateral clause in your loan agreement with them on the separate loan. Most banks have cross collateral clauses in loan agreements that make it so all the collateral (the vehicle) securing one loan secures any other loans. If your loan has a cross collateral clause you would need to pay off both loans to get a lien release.
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