The application process can take up to four months to complete. A payoff request can be created and mailed for free.How long does it take to obtain a payoff? Fill out the form below to request a loan payoff letter. If you have any questions, please contact Loan Customer Service at 1-800-677-6272 option 5, option 2. Loans paid out. -. (119,032). This is the lowest rate among the handful of states that utilize flat rates. Posted :01 PM. Department hours are 730am-630pm Mon-Fri and up to two Saturday's 9am-1pm per month.