I would say you need to call who ever issued the loan. I am in the process of selling my car and I got a loan through Fairfax Federal Credit Union. They recently changed their policy on releasing titles due to all of the cashier check fraud. They used to hold the title for 6 days, but now they hold them for 30 days if a check is used to pay off the loan. I had to bring cash from my other bank to get my title released immediatly. Something that was both a pain and nerve racking to do.

Call the bank and find out their policy.