How long does Credit Acceptance take to release the lien?

Credit Acceptance publishes title and lien release documentation typically within 30 days of payoff. Your state may also set a legal deadline; check your state's page.

How do I contact the Credit Acceptance title department?

Phone: 800-634-1506 (Customer Service: lost title or notarized lien release requests after payoff). Fax: 866-436-4890 (Title Department: written title requests, including a motor vehicle department request for the original title). Mail: Credit Acceptance Corporation, Attn: Title Department, 25505 West 12 Mile Rd., Southfield, MI 48034 (Title Department: written title requests, including a motor vehicle department request for the original title)

Credit Acceptance lien release

Paid off your Credit Acceptance loan? Getting the lien release and title

Credit Acceptance says it will typically send the title and lien release documentation within 30 days of payoff. In most states Credit Acceptance holds the title until the contract is paid off or it releases its lien. In Kentucky, Maryland, Minnesota, Missouri, Montana and New York the customer receives the title from the motor vehicle department instead, and in Florida, Ohio, Michigan and Oklahoma Credit Acceptance releases the lien electronically and mails a lien release letter.

Title department contacts Your state's rules

From Credit Acceptance's official pagesWe only record what the lender publishes. Confirm with the lender before sending any original document.

Asking the lender

How to ask Credit Acceptance for the release or title

If nothing arrived, see the next step below.

If Credit Acceptance holds your title, it says it will provide a copy on request. For a lost title or lien release after payoff, call Customer Service. Written title requests go to the Title Department by fax or mail.

If it never arrived: If Credit Acceptance sent the title or lien release and it was lost, Credit Acceptance says it can send a notarized lien release document you can use to apply for a duplicate title without its lien; contact Customer Service. In states where you hold the title, get a duplicate from your motor vehicle department.

Title department

Credit Acceptance title and lien release contacts

Copied from the lender's published pages. Contacts change, so confirm before mailing originals.

Phone: Customer Service: lost title or notarized lien release requests after payoff: 800-634-1506
Fax: Title Department: written title requests, including a motor vehicle department request for the original title: 866-436-4890
Mail: Title Department: written title requests, including a motor vehicle department request for the original title: Credit Acceptance Corporation, Attn: Title Department, 25505 West 12 Mile Rd., Southfield, MI 48034

Optional paid help

Get the Credit Acceptance lien release finished

Your Credit Acceptance loan is paid off but the title, the release, or the state record still isn't right. We check the path and do the paperwork with you.

We find the release path for your state and lender from official sources.
We prepare the lien release or clear-title request, and any state form, for you to sign and send.
We track the lender and the state until the record shows the lien released.

One-time $89 for a paid-off loan whose title still shows the lien. We show the work, terms, exclusions, and delivery date before payment.

Every guide and official link on this site stays free.

Your state decides the rest

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?

Still paying the loan?

Moving to another state with a Credit Acceptance loan

If the loan is still open and you are moving, the lender keeps the title and sends it to the new state.

Credit Acceptance out-of-state title transfer

Official sources

Credit Acceptance pages behind this guide

Checked Sep 28, 2026.

Credit Acceptance customer FAQ: Your vehicle's title (FAQ fragment loaded by the customer FAQ page)Checked 2026-09-28 ↗
Title / lien

Credit Acceptance lien release questions

How long does Credit Acceptance take to release the lien?: Credit Acceptance publishes title and lien release documentation typically within 30 days of payoff. Your state may also set a legal deadline; check your state's page.
Where does Credit Acceptance send the title after payoff?: Credit Acceptance says it will typically send the title and lien release documentation within 30 days of payoff. In most states Credit Acceptance holds the title until the contract is paid off or it releases its lien. In Kentucky, Maryland, Minnesota, Missouri, Montana and New York the customer receives the title from the motor vehicle department instead, and in Florida, Ohio, Michigan and Oklahoma Credit Acceptance releases the lien electronically and mails a lien release letter.
What if the title or lien release never arrived?: If Credit Acceptance sent the title or lien release and it was lost, Credit Acceptance says it can send a notarized lien release document you can use to apply for a duplicate title without its lien; contact Customer Service. In states where you hold the title, get a duplicate from your motor vehicle department.
How do I contact the Credit Acceptance title department?: Phone: 800-634-1506 (Customer Service: lost title or notarized lien release requests after payoff). Fax: 866-436-4890 (Title Department: written title requests, including a motor vehicle department request for the original title). Mail: Credit Acceptance Corporation, Attn: Title Department, 25505 West 12 Mile Rd., Southfield, MI 48034 (Title Department: written title requests, including a motor vehicle department request for the original title)