Option 1: Petition a Washington State superior court or district court to have us remove the lienholder and issue you a clear title. If it has been more than 30 days, ask your lender to send you a release of lien and you can get a duplicate title from WA DOL.It can take up to six weeks or more to have the lien removed from your car title and make it officially yours. The bank sent me the title and a letter saying that the loan was paid off. In this case, your lender should send you a lien release once you make your last payment. Please allow up to 10 business days for the lien release, after the vehicle loan is paid in full. For electronic titles. 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.