First, get a piece of paper and a pencil or pen. Then write your request on the paper.FMFCU would consider this a used car loan. A payoff letter provides instructions on how to pay off a loan with a lump sum before the loan term ends. Learn how payoff letters work. To receive a copy of a loan payoff statement, please fill out the below request form. How do I get an auto loan payoff quote? Once your auto loan is paid in full, it's important to understand the next steps to take. Review this checklist to ensure a smooth transition. How can I pay off my vehicle?