A lender's payoff statement or letter will show the amount you need to pay to completely close out the loan. Sign in to your account.To obtain the payoff for your FCU auto loan, contact us! Choose the form(s) you need from the list below, complete and return using the regular or overnight mail directions at the bottom of the page. Sign on to your account, select your auto loan from Account Summary, and then Get payoff quote. Fill out your application online or in a branch. Review your offer and complete your paperwork. When you take out an auto loan, your lender will be listed as a lienholder on the title. Some states may also require a smog certificate or a damage disclosure. Once you pay off your loan, your lender will send you an official release of lien letter.