Learn more about how your deposits are guaranteed. Whether new or used vehicles, Wayne Bank's low rates and generous term of up to 60 months, help keep your payments affordable.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. Two years to get a car title that's the dilemma facing one driver who paid off her car loan, but then never secured a title showing she owned her car. Our Customer Care team is available 24 hours a day, every day except Christmas and Thanksgiving. Call us at 800-522-4100. A payoff letter provides instructions on how to pay off a loan with a lump sum before the loan term ends. Learn how payoff letters work. You can set your browser to block or alert you about these cookies, but some parts of the site will not then work. North Jersey Federal Credit Union is one of the best credit unions in NJ. Visit us today for a seamless local banking experience!