Georgia Form T-4: Notice of Satisfaction of Security Interest or Lienholder's Affidavit

What is Georgia Form T-4?

Georgia Form T-4, officially titled the "Notice of Satisfaction of Security Interest or Lienholder's Affidavit," is the document used to release a lien or security interest on a motor vehicle title in the state of Georgia. When you pay off your car loan, the lender must complete and sign this form to confirm the debt has been satisfied and the lien should be removed from your vehicle's title.

When Do You Need Form T-4?

You need Form T-4 whenever a vehicle has a recorded lien or security interest that needs to be released. Common scenarios include:

• Paying off an auto loan in full
• Releasing a mechanic's lien after repairs are paid
• Satisfying a court judgment lien on a vehicle
• Removing any other security interest recorded on the title

The lienholder (bank, credit union, or other lender) completes the form and provides it to the vehicle owner. The owner then submits the completed Form T-4 to their county tag office to have the lien removed from the title.

Why Does Georgia Require Notarization?

Georgia law requires Form T-4 to be notarized because it is a sworn affidavit. The lienholder must sign the form before a notary public, swearing under oath that the debt has been satisfied and the lien should be released. This notarization requirement serves several important purposes:

• Legal verification: The notary confirms the identity of the person signing and ensures they understand they are making a sworn statement
• Fraud prevention: Notarization helps prevent unauthorized parties from fraudulently releasing liens
• Public record integrity: Vehicle titles are official public records, and notarization ensures only legitimate releases are recorded
• Chain of title: The notarized affidavit creates a clear, verifiable record of when and how the lien was satisfied

Under Georgia Code, affidavits must be sworn to before a notary public or other authorized officer to be considered legally sufficient. The county tag office reserves the right to verify Form T-4 before accepting it, making proper notarization essential.

How to Complete Form T-4

The lienholder must complete all required information on the form, including:

• Vehicle identification number (VIN)
• Year, make, and model of the vehicle
• Name of the vehicle owner(s)
• Date the lien was satisfied
• Name and address of the lienholder

The lienholder then signs the form in the presence of a notary public. The notary will verify the signer's identity, witness the signature, and affix their official seal. Once notarized, the form is given to the vehicle owner for submission to the county tag office.

Where to Get Form T-4

You can download Georgia Form T-4 directly from the Georgia Department of Revenue website. The form is available as a PDF that can be completed electronically or printed and filled out by hand.

Note: Some internet browsers have built-in PDF viewers that may not be compatible with Georgia DOR forms. You may need to download the form or use Adobe Reader to complete it properly.

Important Reminders

If you're a vehicle owner who has paid off your loan, make sure your lender provides you with a properly completed and notarized Form T-4. Without this document, you cannot remove the lien from your title, which can complicate future sales or transfers of the vehicle.

If you're a lienholder, remember that you must sign the form before a notary public. The notarization is not optional—it's a legal requirement for the affidavit to be valid.

Need this document notarized? Find a trusted notary in your area on Notary of Gwinnett.