The List of Auto Payoff Addresses: GM Financial, Wells Fargo, etc

Loren Eaton Headshot Loren Eaton
Aug 3, 2020

Most large banks and auto financing companies offer specific P.O. boxes and physical addresses for standard and overnight payoff checks. However, smaller banks may allow you to mail a payoff payment to the same location that you send regular payments. Larger financial institutions also offer options for making scheduled and one-time online payments, as well as paying by phone.

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. For more about where to send auto loan payoffs, see below.

Auto Payoff Address List

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 following list.

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:
    • Ally Auto Finance
      P.O. Box 78234
      Phoenix, AZ 85062[2]
  • Overnight:
    • Ally Auto Finance
      6716 Grade Lane, Building 9, Suite 910
      Louisville, KY 40213[2]

Axos Bank

Note: You may make online payments from your account, one-time online payments, or payments by telephone by calling (866) 923-7112.[3]

  • Regular mail:
    • Axos Bank
      P.O. Box 919008
      San Diego, CA 92191[4]
  • Overnight:
    • Axos Bank
      4350 La Jolla Village Drive, Suite 140
      San Diego, CA 92122[4]

Bank of America

  • Regular mail:
    • Bank of America N.A.
      Payment Processing
      Texas 1-160-06-01
      1950 North Stemmons Fairway
      Dallas, TX 75207[5]

BB&T/Truist

Note: After merging with SunTrust, BB&T has rebranded as Truist. However, it still currently offers BB&T loan products with unique terms and underwriting.

  • Regular mail:
    • BB&T
      PO Box 2303
      Wilson, NC 27894[6]
  • Overnight:
    • BB&T
      2713 Forest Hills Road
      Wilson, NC 27893[6]

BECU

  • Regular mail:
    • BECU
      P.O. Box 34044
      Seattle, WA 98124[7]
  • Overnight:
    • BECU
      12770 Gateway Dr.
      Tukwila, WA 98168[7]

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[8]
  • Overnight:
    • Capital One Auto Finance
      Attn: Payment Processing
      2525 Corporate Place
      2nd floor Suite #250
      Monterey Park, CA 91754[8]

CarMax Auto Finance

  • Regular mail:
    • CarMax Auto Finance
      Attn: Payoff Department
      P.O. Box 440609
      Kennesaw, GA 30160[9]
  • Overnight:
    • CarMax Auto Finance
      Attn: Payoff Department
      225 Chastain Meadows Court, Suite 210
      Kennesaw, GA 30144[9]

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 Auto
      P.O. Box 78067
      Phoenix, AZ 85062[10]
  • Overnight:
    • Chase Auto
      ATTN: Payoff Department
      14800 Frye Road
      TX 1-1300
      Fort Worth, TX 76155[10]

Citizens Bank

  • Regular mail:
    • Citizens Bank, N.A.
      One Citizens Bank Way
      Johnston, RI 02919
      Attn: JCB217[11]

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.

  • Regular mail:
    • Fifth Third Bank
      PO Box 630778
      Cincinnati, OH 45263[12]
  • Overnight:
    • Fifth Third Bank
      5050 Kingsley Drive
      Mail Drop 1MOC2J
      Cincinnati, OH 45263[12]

Ford Credit

  • Regular mail:
    • Ford Credit
      P.O. Box 650574
      Dallas, TX 75265-0574[13]
  • Overnight:
    • Ford Motor Credit
      650574
      1501 North Plano Road
      Suite 100
      Richardson, TX 75081[13]

GM Financial

  • Regular mail:
    • GM Financial
      P.O. Box 78143
      Phoenix, AZ 85062-8143[14]
  • Overnight:
    • GM Financial
      1820 E. Sky Harbor Circle South, Suite 150
      Phoenix, AZ 85034-9700[14]

Honda Financial Services

  • Regular mail:
    • American Honda Finance Corporation
      P.O. Box 7829
      Philadelphia, PA 19101-7829[15]
  • Overnight:
    • Honda Financial Services
      Lockbox #7829
      400 White Clay Center Drive
      Newark, DE 19711[15]

Hyundai Motor Finance

  • Regular mail:
    • Hyundai Motor Finance
      P.O. Box 650805
      Dallas, TX 75265-0805[16]
  • Overnight:
    • Hyundai Motor Finance
      Box 650805
      1501 North Plano Road, Suite 100
      Richardson, TX 75081[16]

Infiniti Finance

  • Regular mail:
    • IFS
      PO Box 740849
      Cincinnati, OH 45274-0849
      Attn: Payoff Department[17]

Lexus Financial Services

  • Regular mail:
    • Lexus Financial Services
      P.O. Box 5855
      Carol Stream, IL 60197-5855[18]
  • Overnight:
    • Lexus Financial Services
      Attn: Retail Payoff
      Box 5855
      5505 N. Cumberland Ave., Suite 307
      Chicago, IL 60656[18]

Mercedes-Benz Financial Services

Note: Sending a Cashier’s Check helps facilitate faster payoff processing.[19]

  • Regular mail:
    • Mercedes-Benz Financial Services
      P.O. Box 5209
      Carol Stream, IL 60197-5209[20]
  • Overnight:
    • Mercedes-Benz Financial Services
      Box# 5209
      8430 West Bryn Mawr Ave., 3rd Floor
      Chicago, Illinois 60631[20]

Navy Federal Credit Union

  • Regular mail:
    • Navy Federal Credit Union
      ATTN: Special Processing
      PO Box 3105
      Merrifield, VA 22119[21]
  • Overnight:
    • Navy Federal Credit Union
      ATTN: Special Processing
      820 Follin Lane SE
      Vienna, VA 22180[21]

Nissan Motor Acceptance Corporation

  • Regular mail:
    • NMAC
      PO Box 740849
      Cincinnati, OH 45274-0849
      Attn: Payoff Department[22]

PenFed Credit Union

  • Regular mail:
    • PenFed Credit Union
      Box 1400
      Alexandria, VA 22313-2000[23]
    • PenFed Credit Union
      Box 247009
      Omaha, NE 68124-7009[23]
  • Overnight:
    • PenFed Credit Union
      2930 Eisenhower Avenue
      Alexandria, VA 22314[23]
    • PenFed Credit Union
      13220 Fort Street
      Omaha, NE 68164[23]

PNC Bank

  • Regular mail:
    • PNC Bank
      P.O.Box 747066
      Pittsburgh, PA 15274-7066[24]
  • Overnight:
    • PNC Bank
      Consumer Loan Center
      BR-YB58-01-5
      6750 Miller Road
      Brecksville, OH 44141[24]

Santander Consumer Holdings USA

  • Regular mail:
    • Santander Consumer USA Inc.,
      P.O. Box 660633
      Dallas, TX 75266-0633[25]
  • Overnight:
    • Santander Consumer USA Inc.
      1010 W. Mockingbird Lane, Suite 100
      Dallas, TX 75247[25]

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[26]
  • Overnight:
    • Security Service Federal Credit Union
      Payment Services
      15000 W Interstate 10
      San Antonio, TX 78249[26]

Subaru Motors Finance

  • Regular mail:
    • Subaru Motors Finance
      PO Box 78232
      Phoenix, AZ 85062-8232[27]
  • Overnight:
    • Subaru Motors Finance
      1820 E Sky Harbor Circle S, Suite 150
      Phoenix, AZ 85034-4875[27]

SunTrust/Truist

Note: After merging with BB&T, SunTrust has rebranded as Truist. However, it still currently offers SunTrust loan products with unique terms and underwriting.

  • Regular mail:
    • SunTrust Bank Payoff
      P.O. Box 79232
      Baltimore, MD 21279[28]
  • Overnight:
    • SunTrust Bank Payoff
      Box No. 79232
      1000 Stewart Avenue
      Glenburnie, MD 21061[28]

TD Auto Finance

  • Regular mail:
    • TD Bank Lockbox
      TD Auto Finance – 16039
      Mailstop ME2-074-017
      6 Atlantis Way
      Lewiston, ME 04240[29]

Toyota Financial Services

  • Regular mail:
    • Toyota Financial Services
      P.O. Box 5855
      Carol Stream, IL 60197-5855[30]
  • Overnight:
    • Toyota Financial Services
      Attn: Retail Payoff
      Box 5855
      5505 N. Cumberland Ave., Suite 307
      Chicago, IL 60656[30]

U.S. Bank

  • Regular mail:
    • U.S. Bank
      PO Box 790179
      St. Louis, MO 63179-0179[31]
  • Overnight:
    • U.S. Bank Consumer Loan Servicing
      Payment/Payoff Processing
      1850 Osborn Ave.
      Oshkosh, WI 54902[31]

USAA

  • Regular mail:
    • USAA Federal Savings Bank
      ATTN: Auto Loan Payoff
      10750 McDermott Freeway
      San Antonio, TX 78288-9876[32]

Volkswagen Credit

  • Regular mail:
    • Volkswagen Credit
      PO BOX 5215
      Carol Stream, IL 60197-5215[33]
  • Overnight:
    • Volkswagen Credit
      Box # 5205
      5505 N Cumberland Ave., Suite 307
      Chicago, IL 60656[33]

Wells Fargo Auto

  • Regular mail:
    • Wells Fargo Auto
      PO Box 17900
      Denver, CO 80217-0900[34]
  • Overnight:
    • Lockbox Services 17900
      Wells Fargo Auto
      MAC C7301-L25
      1740 Broadway St – LL2
      Denver, CO 80274[34]
  1. //www.ally.com/auto/manage-account/?PRtarget=am[↩]
  2. Ally Auto Finance customer service (888) 925-2559[↩][↩]
  3. //www.axosbank.com/Customer-Support/Personal-Support/Manage-My-Loan[↩]
  4. Axos Bank customer service (888) 502-2967[↩][↩]
  5. Bank of America customer service (800) 432-1000[↩]
  6. BB&T customer service (855) 422-8822[↩][↩]
  7. BECU customer service (800) 233-2328[↩][↩]
  8. //www.capitalone.com/support-center/auto/contact[↩][↩]
  9. //www.carmax.com/car-financing/carmax-auto-finance[↩][↩]
  10. Chase Auto customer service (800) 336-6675[↩][↩]
  11. //www.citizensbank.com/ask-a-citizen/Q231516819/What-is-the-auto-loan-payoff-address.aspx[↩]
  12. //www.53.com/content/fifth-third/en/personal-banking/borrowing-basics/auto-loans.html[↩][↩]
  13. //www.ford.com/finance/customer-support/account-manager-faqs[↩][↩]
  14. //www.gmfinancial.com/en-us/resources/faq.html#accordian19630147086[↩][↩]
  15. //www.hondafinancialservices.com/contact-us/payment-addresses[↩][↩]
  16. //www.hmfusa.com/frequently-asked-questions?section=Payoffs%20and%20Titles[↩][↩]
  17. //www.infinitifinance.com/nis_helpunauth?goto=contactus&ln=en[↩]
  18. //www.lexusfinancial.com/us/en/planning_tools/faq/payoff_and_title/where_do_i_send_my_payoff_amount.html[↩][↩]
  19. https://www.mbusa.com/en/financial-services/lease-vs-finance/financing[↩]
  20. //www.mbusa.com/en/financial-services/lease-vs-finance/financing[↩][↩]
  21. https://www.navyfederal.org/contact-us/additional-mailing-addresses.php[↩][↩]
  22. //www.nissanfinance.com/nis_helpunauth?goto=contactus&ln=en[↩]
  23. //www.penfed.org/contact-us/[↩][↩][↩][↩]
  24. //pncpaymentoptions.com/doc/contactUs[↩][↩]
  25. //santanderconsumerusa.com/support/faqs/where-do-i-mail-payoff-checks[↩][↩]
  26. //www.ssfcu.org/loans-and-credit/auto-loans/make-a-payment[↩][↩]
  27. //subarumotorsfinance.com/contact-us[↩][↩]
  28. //www.suntrust.com/help-center/loans-faq[↩][↩]
  29. //www.tdautofinance.com/app/index.html#!contactus[↩]
  30. //www.toyotafinancial.com/us/en/planning_tools/faq/payoff_and_title/where_do_i_send_my_payoff_amount.html[↩][↩]
  31. //answers.usbank.com/answers/s/article/What-is-the-regular-payments-address-for-a-loan-or-line-of-credit[↩][↩]
  32. USAA customer service (800) 531-8722[↩]
  33. //www.vw.com/financial-services/account-management.m/[↩][↩]
  34. //auto.secure.wellsfargo.com/Content/GetContent?section=Payment&page=PayoffOptionMail[↩][↩]
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