The DMV doesn't send you anything. Usually you receive a payoff letter from the lender.Your title is electronic. When an auto loan is paid off, we will release the lien after 10 business days. A paper title will not be sent to you automatically, however you may request a title with the State of Florida Department of Highway Safety and Motor Vehicles. Where can I find the payoff amount for my auto loan? Once you pay off your loan, your lienholder will send you an official release of lien letter. You should check the DMV website for your state before you finish paying off your loan, so you know which laws apply to you. It's the same as a payoff letter, but it can be used when you're paying off a loan that involves collateral, such as a home or a car. Confirm your loan has been paid in full with PNC.