Paid off your Navy Federal Credit Union loan? Getting the lien release and title
Navy Federal says that in most situations your title will be released within 10 business days of it receiving your payoff, and delivery of the title or lien release can take up to 7 to 10 more business days. It notes that some states process titles electronically and others do not, which can change the timeline. Its 'Lien Release' document is for a paid-in-full loan that still lists Navy Federal as lienholder with the state and certifies there is no outstanding secured obligation.
How to ask Navy Federal Credit Union for the release or title
Keep the payoff confirmation and the date the final payment cleared.
For questions about your title or proof of ownership, sign in to digital banking, choose Messages, then Send Us a Message; or call 1-888-842-6328; or visit a branch.
Navy Federal Credit Union title and lien release contacts
Copied from the lender's published pages. Contacts change, so confirm before mailing originals.
- Phone: questions about your title or proof of ownership
- 1-888-842-6328
- Mail: mailing address listed on Navy Federal's titles page
- Navy Federal Credit Union, PO Box 659027, Sacramento, CA 95865
Get the Navy Federal Credit Union lien release finished
Your Navy Federal Credit Union 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.
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?
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- District of Columbia
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
Moving to another state with a Navy Federal Credit Union loan
If the loan is still open and you are moving, the lender keeps the title and sends it to the new state.
Navy Federal Credit Union pages behind this guide
Checked Sep 28, 2026.
Navy Federal Credit Union lien release questions
- How long does Navy Federal Credit Union take to release the lien?
- Navy Federal Credit Union publishes a title release within 10 business days of receiving the payoff in most situations, plus up to 7 to 10 more business days for delivery. Your state may also set a legal deadline; check your state's page.
- Where does Navy Federal Credit Union send the title after payoff?
- Navy Federal says that in most situations your title will be released within 10 business days of it receiving your payoff, and delivery of the title or lien release can take up to 7 to 10 more business days. It notes that some states process titles electronically and others do not, which can change the timeline. Its 'Lien Release' document is for a paid-in-full loan that still lists Navy Federal as lienholder with the state and certifies there is no outstanding secured obligation.
- What if the title or lien release never arrived?
- Navy Federal Credit Union does not publish a separate procedure. Ask for the date and method of the release, then check your state title record before requesting a duplicate.
- How do I contact the Navy Federal Credit Union title department?
- Phone: 1-888-842-6328 (questions about your title or proof of ownership). Mail: Navy Federal Credit Union, PO Box 659027, Sacramento, CA 95865 (mailing address listed on Navy Federal's titles page)