Paid off your Virginia Credit Union loan? Getting the lien release and title
Virginia Credit Union (VACU) says that 7 days after you pay off your vehicle loan, your title is released and mailed to you by the DMV, or by VACU's Title Department if VACU holds the title in-house. VACU can provide an ELT record printout for electronic titles, and paper titles must be requested through the DMV unless VACU has the paper title in-house; charges may apply depending on DMV filing status.
How to ask Virginia Credit Union for the release or title
Keep the payoff confirmation and the date the final payment cleared.
Contact VACU's Title Department by phone, email, fax, or mail. Its FAQ page also lists topics for getting title copies and obtaining lien release letters.
Virginia Credit Union title and lien release contacts
Copied from the lender's published pages. Contacts change, so confirm before mailing originals.
- Phone: Title Department
- 804-323-6000, ext. 101710
- Email: Title Department requests
- LendingOperationsLoanServicing@vacu.org
- Fax: Title Department requests
- 804-267-1438
- Mail: VACU lienholder address
- P.O. Box 90010, Richmond, VA 23225-9010
Get the Virginia Credit Union lien release finished
Your Virginia 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 Virginia 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.
Virginia Credit Union pages behind this guide
Checked Sep 28, 2026.
Virginia Credit Union lien release questions
- How long does Virginia Credit Union take to release the lien?
- Virginia Credit Union publishes the title released and mailed 7 days after you pay off the vehicle loan. Your state may also set a legal deadline; check your state's page.
- Where does Virginia Credit Union send the title after payoff?
- Virginia Credit Union (VACU) says that 7 days after you pay off your vehicle loan, your title is released and mailed to you by the DMV, or by VACU's Title Department if VACU holds the title in-house. VACU can provide an ELT record printout for electronic titles, and paper titles must be requested through the DMV unless VACU has the paper title in-house; charges may apply depending on DMV filing status.
- What if the title or lien release never arrived?
- Virginia 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 Virginia Credit Union title department?
- Phone: 804-323-6000, ext. 101710 (Title Department). Email: LendingOperationsLoanServicing@vacu.org (Title Department requests). Fax: 804-267-1438 (Title Department requests). Mail: P.O. Box 90010, Richmond, VA 23225-9010 (VACU lienholder address)