Payoff procedures vary depending on whether the lienholder is using the Electronic Lien Title (ELT) system or a paper title. A 10day payoff refers to the time it takes for your new lender to pay off your old loans during a refinance.Sign on to your account, select your auto loan from Account Summary, and then Get payoff quote. A payoff letter is not available on the website. It can take roughly two to six weeks to get your title after paying off a car. For refinance loans, you'll need to give us specific vehicle information such as the VIN, exact mileage, lender contact information and payoff amount. For refinance loans, you'll need to give us specific vehicle information such as the VIN, exact mileage, lender contact information and payoff amount. Paid Loan Letter: A document that indicates the loan has been paid in full and includes the lien termination statement. Include your vehicle account number with your payoff payment to avoid any processing delays. Payoff request are typically sent out same day, however please allow up to 48 hours for processing.