I called Kia Finance today since I paid off my Sportage EX with my last payment. I asked if they are mailng me my title since it is paid off, but they said I live in a state that does electronic titles. The representative informed me I will have to take a letter that Kia is sending me about the lien waiver and that I will need to get a printed copy of the title at the DMV. I have never had to do this with past vehicles before, am I going to have to PAY to receive my own title? This seems like BS since I've never had to do this before.