Provide the owner with a completed and signed Form T-4 Lien or Security Interest Release. A lender's payoff statement or letter will show the amount you need to pay to completely close out the loan.It can take roughly two to six weeks to get your title after paying off a car. Sign on to your account, select your auto loan from Account Summary, and then Get payoff quote. 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. It can take up to six weeks or more to have the lien removed from your car title and make it officially yours. It can take roughly two to six weeks to get your title after paying off a car. The Vehicle Payoff Sample Letter form is a crucial document for individuals aiming to transfer their vehicle loan to the State Department Federal Credit Union. If you want to know what it will take to pay off a loan, you'll need to access a payoff statement (sometimes called a payoff letter). (TMIS) and its subsidiaries.