Find your balance on a vehicle loan at Credit Union ONE in MI and determine your payoff period including same-day and 10-day loan payoffs. If you have questions regarding a new purchase or refinance contact your loan officer or call us.Call (844) 754-6280. Michigan is not a title holding state, so you will already have the title in your possession prior to paying off your American 1 Credit Union Loan. The quote you are requesting will include your outstanding principal balance, accrued interest, late charges, fees and any other amounts. What documents will I need to gather before the loan closing? Michigan First Credit Union offers 24 hour assistance to our members through email, chat, phone and more. Contact us today and see how we can help. In Michigan you staple that letter to your car title to prove that there is no secured lender. Our auto loans offer low rates and flexible terms.