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.When a dealer pays off a loan for a vehicle taken in trade with an e-Title, the lienholder has 10 business days after receipt of payment to release the lien. Getting the payoff quote is simple. You can contact your lender via telephone, visit them in person, or go online and request a payoff amount. Shell FCU offers competitive rates on new, used and refinanced Auto Loans. Add or Remove a Lien on a Vehicle. To add or remove a lien on your vehicle title, visit your local county tax office. Looking to finance, refinance or lease a vehicle - Cy-Fair FCU offers affordable auto loan rates in Houston, Cy-Fair and all Harris County. Looking to finance, refinance or lease a vehicle - Cy-Fair FCU offers affordable auto loan rates in Houston, Cy-Fair and all Harris County.