Paid off your CarMax Auto Finance loan? Getting the lien release and title
CarMax Auto Finance says it releases its lien after your final payment posts. If you live in a state that uses an electronic lien and title process, it may take up to 60 days to receive your title from your state DMV, or you may need to take action with the DMV, and CarMax says to ask your local DMV about the electronic title release process in your state.
How to ask CarMax Auto Finance for the release or title
If nothing arrived, see the next step below.
Everything CarMax Auto Finance says about payoff
CarMax Auto Finance says it releases its lien after your final payment posts. If you live in a state that uses an electronic lien and title process, it may take up to 60 days to receive your title from your state DMV, or you may need to take action with the DMV, and CarMax says to ask your local DMV about the electronic title release process in your state. In a state that uses a paper title process, it may take up to 2-3 weeks to receive your title. CarMax says to confirm your address is up to date before you make the final payment, because an out-of-date address can delay or misdirect the title.
To locate a title that has not arrived, CarMax says to call customer service at (800) 925-3612 once it has been more than 60 days since your final payment posted. To update your address, sign in at carmaxautofinance.com, use the CarMax app, or call the same number, and keep your address up to date with your local titles and registration office too.
If it never arrived: CarMax says a title may take up to 60 days to arrive once your final payment has posted. If it has been longer than 60 days, call customer service at (800) 925-3612 to locate your title and learn the next steps. If you moved recently and forgot to update your address, the title may be delayed or misdirected, and CarMax says you are responsible for any fees to obtain a new one.
Want it in writing? Build a free request letter for your records. It never asks for your VIN or loan number.
Where to reach CarMax Auto Finance
Copied from the lender's published pages. Contacts change, so confirm before mailing originals.
Where to send a title or lien release request
- Phone: Customer service, which CarMax lists for locating a title that has not arrived 60 days after the final payment and for updating your address
- (800) 925-3612
Other published contacts
The lender describes each one below. Check the purpose before you use one.
- Mail: For payoff payments by mail; not for lien release requests
- CarMax Auto Finance, Attn: Payoff Department, P.O. Box 440609, Kennesaw, GA 30160-0511
- Mail: For overnight delivery of payoff payments; not for lien release requests
- CarMax Auto Finance, Attn: Payoff Department, 225 Chastain Meadows Ct. Suite 210, Kennesaw, GA 30144
For a state DMV's title requests (including your new state's)
- Fax: Where the new state's DMV faxes its letter for a state transfer
- (770) 423-7856
- Mail: Where the new state's DMV mails its letter for a state transfer
- CarMax Auto Finance, P.O. Box 440609, Kennesaw, GA 30160
Lien release rules where the car is titled
Each state sets who sends the title, the lender deadline, and what to do if the lender is gone. Lender out of business?
We have not published New Mexico, Utah or Wyoming yet. Ask that state's title agency for the lender's release deadline.
Get the CarMax Auto Finance lien release finished
Your CarMax Auto Finance loan is paid off but the title, the release, or the state record still isn't right. We check the path and prepare the paperwork for you to sign and send.
Do it yourself, free
Follow your state's official steps and use its form, build a free request letter, and use the official lookups. All of it is on this site and none of it needs us.
Paid help
We find the release path for your state and lender and prepare the request and any state form. You sign and send it.
Follow-up: Structured case updates plus lender and state milestone coordination through one final proof check, for up to 30 calendar days after the initial report is delivered. We cannot guarantee a release, a clear title or a date.
Lenders that are out of business or merged, court orders, and bonded titles are not included; those cases are reviewed and quoted separately.
Every guide and official link on this site stays free.
Moving to another state with a CarMax Auto Finance auto loan
If the loan is still open and you are moving, the lender keeps the title and sends it to the new state.
CarMax Auto Finance pages behind this guide
Checked Oct 7, 2026.
CarMax Auto Finance lien release questions
- How long does CarMax Auto Finance take to release the lien?
- CarMax Auto Finance publishes a lien release after the final payment posts, with up to 2 to 3 weeks to receive a paper title or up to 60 days to receive an electronic title from the state DMV. Your state may also set a legal deadline; check your state's page.
- Where does CarMax Auto Finance send the title after payoff?
- CarMax Auto Finance says it releases its lien after your final payment posts. If you live in a state that uses an electronic lien and title process, it may take up to 60 days to receive your title from your state DMV, or you may need to take action with the DMV, and CarMax says to ask your local DMV about the electronic title release process in your state. In a state that uses a paper title process, it may take up to 2-3 weeks to receive your title. CarMax says to confirm your address is up to date before you make the final payment, because an out-of-date address can delay or misdirect the title.
- What if the title or lien release never arrived?
- CarMax says a title may take up to 60 days to arrive once your final payment has posted. If it has been longer than 60 days, call customer service at (800) 925-3612 to locate your title and learn the next steps. If you moved recently and forgot to update your address, the title may be delayed or misdirected, and CarMax says you are responsible for any fees to obtain a new one.
- Where do I send a lien release or title request to CarMax Auto Finance?
- Phone: (800) 925-3612. Customer service, which CarMax lists for locating a title that has not arrived 60 days after the final payment and for updating your address.