Provide the owner with a completed and signed Form T-4 Lien or Security Interest Release. The Electronic Lien and Title (ELT) program provides paperless vehicle titles to participating financial institutions.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. Once you've made the final payment on your loan, you can get the title from your lender and become the full owner of your car. In some states, getting your title is an automatic process after you pay off your loan. Where can I find payoff information for loan account? Read some of our more frequently asked questions about auto loans with Wells Fargo today. How can I prove that my car is paid off? Once you pay off your loan, your lender will send you an official release of lien letter.