Contracts And Titles FAQs

Once you've paid off your vehicle payment, you can check the status of your title or lien release from your vehicle details page using our title tracking feature. We'll also send you email updates. In most cases, once we’ve finished processing your final payment according to your state’s requirements, the title or lien release will be mailed within 10 business days. If you leased your vehicle and are buying it out, one of our agents will be in touch with you to discuss the title release process. We can release our lien directly with the state if your state has an electronic title program and your record is held electronically. States with this program include: Arizona, California, Colorado, Florida, Georgia, Hawaii, Idaho, Iowa, Louisiana, Massachusetts, Nebraska, Nevada, New York, North Carolina, Pennsylvania, South Carolina, South Dakota, Texas, Virginia and Wisconsin. Your state's Department of Motor Vehicles will either provide you with a clear title or remove our name from the vehicle's title record.

Short answer: we’ll mail your title or lien release within 10 business days after we process your final payment. Long answer: If you pay with certified funds like a cashier's check or money order, the title or lien release will be mailed within four business days following receipt and processing of the payment in accordance with your state's requirements. If you pay online or with a personal check, depending on what state you're in, the title or lien release will be mailed within 10 business days following receipt of the payment in accordance with your state's requirements. Include your vehicle account number with your payoff payment to avoid any processing delays. If you leased your vehicle and are buying it out, one of our agents will be in touch with you to discuss the title release process.

You can monitor the status of your title or lien release from your vehicle details page within your vehicle account using our title tracking feature. We'll also send you email notifications to keep you updated on the status of your title or lien release. Depending on what state you're in, it could take up to 10 business days following receipt of the payment in accordance with your state’s requirements. After it processes, we'll deliver the documentation according to your state’s regulations.

You'll need to pay off your vehicle in order to receive the title or lien release. Once you make your final payment, you can monitor the status of your title or lien release from your vehicle details page within your vehicle account using our title tracking feature. We'll also send you email notifications to keep you updated on the status of your title or lien release. You can schedule a payoff online with our Request a Quote feature or mail your payoff payment to: Payment Processing Center
P.O. Box 71119
Charlotte, NC 28272-1119
If you pay with certified funds like a cashier's check or money order, the title or lien release will be mailed within four business days following receipt and processing of the payment in accordance with your state’s requirements. If you pay online or with a personal check, depending on what state you’re in, the title or lien release will be mailed within 10 business days following receipt of the payment in accordance with your state's requirements. Include your vehicle account number with your payoff payment to avoid any processing delays. We can release our lien directly with the state if your state has an electronic title program and your record is held electronically. States with this program include: Arizona, California, Colorado, Florida, Georgia, Hawaii, Idaho, Iowa, Louisiana, Massachusetts, Nebraska, Nevada, New York, North Carolina, Pennsylvania, South Carolina, South Dakota, Texas, Virginia and Wisconsin. Your state's Department of Motor Vehicles will either provide you with a clear title or remove our name from the vehicle's title record.

We don't refinance to lower rates; however, we may be able to help if you're experiencing difficulty in meeting your financial obligations. Contact us at 1-888-925-2559 for help.

For duplicate title requests, contact your state's Department of Motor Vehicles motor vehicle department.

On the web: Log in , select Profile and Settings, then select either Statements, Documents, or Statements and Tax Forms from the menu (the words are different based on which accounts you have with us). You’ll also see one of these three labels in the navigation bar — you should find all your account-related documents there, as well. On our app: Log in, then tap Menu. Scroll to Documents, where you should find everything you need for all your accounts. If you don’t see the document you’re looking for, contact us to request a copy.

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