BMO Harris Bank auto loan payoff address. Dealer and consumer payoff.Request a pre-qualificationFill out our form and we'll be in touch with next steps. An auto loan payoff letter is just a way to prove that you have paid in full for a car. If you are selling your vehicle, often the buyer will ask to. Or you can write them to request a payoff letter be sent to you. You do have the correct address; BMO Harris NA, PO Box 660310, Sacramento, CA 95866. It's the payoff amount 10 days in the future. Nine states let you hold your own title making it easier to transfer it out of the lienholder's name. Payment will be sent to lien holder.