I'm screwed so disregard

It is not who is on the loan but whose name is on the title. If her name alone is on the title, she can do what she wants, it is her bike. If her name is not on the title, she can not do anything.

...

The banks name is (was) on the title since there was still a loan but its now paid. So even though I've made every single payment up until now she can just swoop in and take it out from under me?



Something is wrong here - the title should be in the name of the registered owner with a lien by the bank against the title.

If the title were in the name of the bank no one BUT the bank could register and insure the bike.

You still have not answered who's name is on the title?

Yes, we know there was a lien by the bank, but WHO is listed on the title and registration as the owner?

If it is her, you are in serious trouble, and the short answer is yes, it is her bike and she could take it whenever she chooses.

If the title and registration are in your name, and she takes it, she will be stealing.

As everyone else has said, the bank's name would not be on the title; they would be listed under the "Lienholder" section. Once the loan was paid, the bank would issue a lien satisfaction which would allow you to obtain a clean title or do a title transfer.

If the motorcycle is titled in your girlfriend's name, or titled in both of your names separated by "or", then she can 100% legally come pick up the bike and do whatever she pleases with it.