No information is available for this page. A 10 day payoff is crucial to getting your old loans paid off during a refinance.Learn how it works from start to finish. If you have both your Minnesota title and lien release in hand, you have two options: Option 1: Staple the title and lien together and put it in a safe place. You'll receive an email about next steps you still need to take. When everything is complete, we'll send a final payoff letter. Once you've made your final payment, you must get the title from your lender to prove you legally own the car. First, get a piece of paper and a pencil or pen. Then write your request on the paper. How do I fill this out?