The variables include time for your state's processes and for the lienholder to send notification of the loan payoff. In some states, getting your title is an automatic process after you pay off your loan.We've got your loan answers! 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. 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. Perfected Title: A title with correct owner and vehicle information that lists DCU as a lienholder. Take your final steps to add PNC as the lienholder on your new Auto loan. Interested in borrowing money for a mortgage, personal loan, or auto loan? Read through these common FAQs with Fifth Third Bank to learn more and apply. The FDIC may be able to assist you in obtaining a lien release if the request is for a customer of a failed bank that was placed into FDIC receivership.