Payoff procedures vary depending on whether the lienholder is using the Electronic Lien Title (ELT) system or a paper title. A 10 day payoff is crucial to getting your old loans paid off during a refinance.Learn how it works from start to finish. Follow the instructions carefully, ensuring accurate information input. The Electronic Lien and Title system enables lending institutions and other vehicle lienholders to replace paper titles with electronic transactions. Please wait 30 days from date of payoff posting to your loan before requesting a paid in full letter. Infull letter is not available on the website or app. Purchase or refinance a new or used car, truck or van today. The Vehicle Payoff Sample Letter form is a crucial document for individuals aiming to transfer their vehicle loan to the State Department Federal Credit Union. Your account number is at the top of your monthly statement and on the payment coupon at the bottom of the statement. Online.