To release a lien or security interest, contact the lender holding the Lien to electronically release the title. It can take roughly two to six weeks to get your title after paying off a car.Even if a dealership agrees in writing to pay off your existing loan, there is no guarantee that it will do so. Sign on to your account, select your auto loan from Account Summary, and then Get payoff quote. Once you pay off your loan, your lender will send you an official release of lien letter. You need to take your payoff letter to your DMV to get the security interest removed. Upvote 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. How long does it take to fill out the form to apply for an auto loan from Navy Federal? It typically takes less than 10 minutes to complete an application. This is pertaining to an auto loan that has been charged off, well I live in ga I think the finance company is out.