Unlike normal monthly loan payments that include both principal and interest, payoff amounts are end-of-loan sums that tally everything you need to pay to satisfy a loan, including prepayment penalties, if applicable.
It’s the last payment you should have to make on a loan, and you should always contact your lender to determine the exact amount.
If you’re paying by mail, the payment may need to go to a unique address that your lender maintains, and because payoff amounts include interest that accumulates over time, it’s important that your check goes to the right place.
We contacted major banks and auto-finance companies to find out where they direct customers to send final payments.
During our research, we discovered that most larger institutions have designated P.O. boxes and physical addresses so you can send payoff checks by both standard and overnight mail. Some smaller institutions only provide a single mailing address for regular payments and payoffs.
Additionally, a good number of lenders include other, potentially more convenient options for paying, including scheduling recurring online payments, one-time online payments, and telephone payments. We have included these options in the list below.
Note that before mailing a payoff check, you should always contact your bank to determine the proper payoff amount and double-check the address on your statement to ensure that the payoff address hasn’t changed.
Jump Links
Auto Payoff Addresses by Company
Ally Auto Finance
Note: In most cases, you may also complete your payoff payment online by logging in to your account, selecting your vehicle, selecting “Manage Account,” and then selecting “Request a Quote” from your vehicle details page.[1]
- Regular mail:
- Payment Processing Center
P.O. Box 9001951
Louisville, KY 40290-1951[2][3]
- Payment Processing Center
Axos Bank
Note: You may make online payments from your account, one-time online payments, or payments by telephone by calling (866) 923-7112.[4]
- Regular mail:
- Axos Bank
Attn: Dealer Payoffs
9205 W Russell Rd., Suite 400
Las Vegas, NV 89148[5]
- Axos Bank
- Overnight:
- Axos Bank
P. O. Box 509127
San Diego, CA 92150[6]
- Axos Bank
Bank of America
- Regular mail:
- Bank of America N.A.
P.O. Box 15220
Wilmington, DE 19886-5220[7]
- Bank of America N.A.
BECU
- Regular mail:
- BECU
12770 Gateway Dr.
M/S: 1080-2
Tukwila, WA 98168[8]
- BECU
Capital One Auto Finance
Note: You can make online payments by signing in to your Capital One account.
- Regular mail:
- Capital One Auto Finance
P.O. Box 60511
City of Industry, CA 91716[9]
- Capital One Auto Finance
- Overnight:
- Capital One Auto Finance
Attn: Payment Processing
2525 Corporate Place
2nd floor Suite #250
Monterey Park, CA 91754[9]
- Capital One Auto Finance
CarMax Auto Finance
- Regular mail:
- CarMax Auto Finance
P.O. Box 6045
Carol Stream, IL 60197-6045[10][11]
- CarMax Auto Finance
Chase Auto
Note: You may make scheduled payments, one-time payments, and online payments from other banks by signing in to your Chase account.
- Regular mail:
- Chase
ATTN: Payoff Processing
Mail Code LA4-6455
700 Kansas Lane
Monroe, LA 71203[12]
- Chase
Citizens Bank
- Regular mail:
- Citizens Bank, N.A.
1 Citizens Bank Way
Riverside, RI 02915
Attn: ROP217[13]
- Citizens Bank, N.A.
Fifth Third Bank
Note: You may make payments from your account and one-time payments from external accounts by logging in to your Fifth Third Bank account. You may pay by phone by calling (800) 972-3030, but this may incur a fee.[14]
- Regular mail:
- Fifth Third Bank
P.O. Box 630778
Cincinnati, OH 45263-0778[15][16]
- Fifth Third Bank
- Overnight:
- Fifth Third Bank
Madisonville Operations Center
5050 Kingsley Drive
MD 1M0C2J
Cincinnati, OH 45263-5300[15][16]
- Fifth Third Bank
Ford Credit
- Regular mail:
- Ford Credit
P.O. Box 650574
Dallas, TX 75265-0574[17]
- Ford Credit
- Overnight:
- Ford Motor Credit
650574
1501 North Plano Road
Suite 100
Richardson, TX 75081[17]
- Ford Motor Credit
GM Financial
- Regular mail:
- GM Financial
P.O. Box 78143
Phoenix, AZ 85062-8143[18]
- GM Financial
- Overnight:
- GM Financial
1820 E. Sky Harbor Circle South, Suite 150
Phoenix, AZ 85034-9700[18]
- GM Financial
Honda Financial Services
- Regular mail:
- American Honda Finance Corporation
P.O. Box 7829
Philadelphia, PA 19101-7829[19]
- American Honda Finance Corporation
- Overnight:
- Honda Financial Services
Lockbox #7829
400 White Clay Center Drive
Newark, DE 19711[19]
- Honda Financial Services
Hyundai Motor Finance
- Regular mail:
- Hyundai Motor Finance
P.O. Box 650805
Dallas, TX 75265-0805[20]
- Hyundai Motor Finance
- Overnight:
- Hyundai Motor Finance
Box 650805
1501 North Plano Road, Suite 100
Richardson, TX 75081[20]
- Hyundai Motor Finance
Infiniti Financial Services
- Regular mail:
- IFS
P.O. Box 740596
Cincinnati, OH 45274-0596
Attn: Payoff Department[21]
- IFS
- Overnight:
- IFS
ATTN: RLBX 740596
MD 1MOC1N
5050 Kingsley Dr.
Cincinnati, OH 45227[21]
- IFS
Lexus Financial Services
- Regular mail:
- Lexus Financial Services
P.O. Box 5855
Carol Stream, IL 60197-5855[22]
- Lexus Financial Services
- Overnight:
- Lexus Financial Services
Attn: Retail Payoff
Box 5855
5505 N. Cumberland Ave., Suite 307
Chicago, IL 60656[22]
- Lexus Financial Services
Mercedes-Benz Financial Services
Note: Sending a Cashier’s Check helps facilitate faster payoff processing.[23]
- Regular mail:
- Mercedes-Benz Financial Services
P.O. Box 5209
Carol Stream, IL 60197-5209[24]
- Mercedes-Benz Financial Services
- Overnight:
- Mercedes-Benz Financial Services
Box# 5209
8430 West Bryn Mawr Ave., 3rd Floor
Chicago, Illinois 60631[24]
- Mercedes-Benz Financial Services
Navy Federal Credit Union
- Regular mail:
- Navy Federal Credit Union
P.O. Box 3105
Merrifield, VA 22119[25]
- Navy Federal Credit Union
- Overnight:
- Navy Federal Credit Union
820 Follin Lane SE
Vienna, VA 22180[25]
- Navy Federal Credit Union
Nissan Motor Acceptance Corporation
- Regular mail:
- NMAC
P.O. Box 740849
Cincinnati, OH 45274-0849[26]
- NMAC
- Overnight:
- ATTN: RLBX 740849
MD 1MOC1N
5050 Kingsley Dr.
Cincinnati, OH 45227[26]
- ATTN: RLBX 740849
PenFed Credit Union
- Regular mail:
- PenFed Credit Union
Box 1400
Alexandria, VA 22313-2000[27] - PenFed Credit Union
Box 247009
Omaha, NE 68124-7009[27]
- PenFed Credit Union
- Overnight:
- PenFed Credit Union
2930 Eisenhower Avenue
Alexandria, VA 22314[27] - PenFed Credit Union
13220 Fort Street
Omaha, NE 68164[27]
- PenFed Credit Union
PNC Bank
- Regular mail:
- PNC Bank
P.O.Box 747066
Pittsburgh, PA 15274-7066[28]
- PNC Bank
- Overnight:
- c/o PNC Bank
Lockbox 747066
500 First Ave.
Pittsburgh, PA 15219[28]
- c/o PNC Bank
Santander Consumer Holdings USA
- Regular mail:
- Santander Consumer USA Inc.,
P.O. Box 660633
Dallas, TX 75266-0633[29]
- Santander Consumer USA Inc.,
- Overnight:
- Santander Consumer USA Inc.
3000 Kellway Dr., Suite 120
Carrollton, TX 75006[29]
- Santander Consumer USA Inc.
Security Service Federal Credit Union
Note: Security Service Federal Credit Union requests that you use FedEx when sending overnight payments.
- Regular mail:
- Security Service Federal Credit Union
P.O. Box 691530
San Antonio, TX 78269-1530[30]
- Security Service Federal Credit Union
- Overnight:
- Security Service Federal Credit Union
Payment Services
15000 W Interstate 10
San Antonio, TX 78249[30]
- Security Service Federal Credit Union
Subaru Motors Finance
- Regular mail:
- Subaru Motors Finance
P.O. Box 78067
Phoenix, AZ 85062-8067[31]
- Subaru Motors Finance
- Overnight:
- Subaru Motors Finance
1820 E Sky Harbor Circle S, Suite 150
Phoenix, AZ 85034-4875[31]
- Subaru Motors Finance
Truist Bank
- Regular mail:
- Truist
Attn: Lockbox #580223
5130 Parkway Plaza Blvd.
Charlotte, NC 28217-1954[32]
- Truist
TD Auto Finance
- Regular mail:
- TD Bank Lockbox
TD Auto Finance – 16039
Mailstop ME2-074-017
6 Atlantis Way
Lewiston, ME 04240[33]
- TD Bank Lockbox
Toyota Financial Services
- Regular mail:
- Toyota Financial Services
P.O. Box 5855
Carol Stream, IL 60197-5855[34]
- Toyota Financial Services
- Overnight:
- Toyota Financial Services
Attn: Retail Payoff
Box 5855
5505 N. Cumberland Ave., Suite 307
Chicago, IL 60656[34]
- Toyota Financial Services
U.S. Bank
- Regular mail:
- U.S. Bank
P.O. Box 790179
St. Louis, MO 63179-0179[35]
- U.S. Bank
- Overnight:
- U.S. Bank Consumer Loan Servicing
Payment/Payoff Processing
1850 Osborn Ave.
Oshkosh, WI 54902[35]
- U.S. Bank Consumer Loan Servicing
USAA
Note: Payoffs sent by mail must be a cashier’s check.
- Regular mail:
- USAA Federal Savings Bank
c/o Nationstar
ATTN: Payoff Department
Lake Vista 4
800 State Highway 121 Bypass, Suite B
Lewisville, TX 75067[36]
- USAA Federal Savings Bank
Volkswagen Credit
- Regular mail:
- Volkswagen Credit
1401 Franklin Blvd.
Libertyville, IL 60048-4460[37]
- Volkswagen Credit
Wells Fargo Auto
- Regular mail:
- Wells Fargo Auto
P.O. Box 17900
Denver, CO 80217-0900[38]
- Wells Fargo Auto
- Overnight:
- Lockbox Services 17900
Wells Fargo Auto
MAC C7301-L25
1740 Broadway St – LL2
Denver, CO 80274[38]
- Lockbox Services 17900