The List of Auto Payoff Addresses: GM Financial, Wells Fargo, etc (2024)

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.

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]

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]
• Overnight:
  • Axos Bank
    P. O. Box 509127
    San Diego, CA 92150^[6]

Bank of America

• Regular mail:
  • Bank of America N.A.
    P.O. Box 15220
    Wilmington, DE 19886-5220^[7]

BECU

• Regular mail:
  • BECU
    12770 Gateway Dr.
    M/S: 1080-2
    Tukwila, WA 98168^[8]

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]
• Overnight:
  • Capital One Auto Finance
    Attn: Payment Processing
    2525 Corporate Place
    2nd floor Suite #250
    Monterey Park, CA 91754^[9]

CarMax Auto Finance

• Regular mail:
  • CarMax Auto Finance
    P.O. Box 6045
    Carol Stream, IL 60197-6045^[10][11]

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]

Citizens Bank

• Regular mail:
  • Citizens Bank, N.A.
    1 Citizens Bank Way
    Riverside, RI 02915
    Attn: ROP217^[13]

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]
• Overnight:
  • Fifth Third Bank
    Madisonville Operations Center
    5050 Kingsley Drive
    MD 1M0C2J
    Cincinnati, OH 45263-5300^[15][16]

Ford Credit

• Regular mail:
  • Ford Credit
    P.O. Box 650574
    Dallas, TX 75265-0574^[17]
• Overnight:
  • Ford Motor Credit
    650574
    1501 North Plano Road
    Suite 100
    Richardson, TX 75081^[17]

GM Financial

• Regular mail:
  • GM Financial
    P.O. Box 78143
    Phoenix, AZ 85062-8143^[18]
• Overnight:
  • GM Financial
    1820 E. Sky Harbor Circle South, Suite 150
    Phoenix, AZ 85034-9700^[18]

Honda Financial Services

• Regular mail:
  • American Honda Finance Corporation
    P.O. Box 7829
    Philadelphia, PA 19101-7829^[19]
• Overnight:
  • Honda Financial Services
    Lockbox #7829
    400 White Clay Center Drive
    Newark, DE 19711^[19]

Hyundai Motor Finance

• Regular mail:
  • Hyundai Motor Finance
    P.O. Box 650805
    Dallas, TX 75265-0805^[20]
• Overnight:
  • Hyundai Motor Finance
    Box 650805
    1501 North Plano Road, Suite 100
    Richardson, TX 75081^[20]

Infiniti Financial Services

• Regular mail:
  • IFS
    P.O. Box 740596
    Cincinnati, OH 45274-0596
    Attn: Payoff Department^[21]
• Overnight:
  • IFS
    ATTN: RLBX 740596
    MD 1MOC1N
    5050 Kingsley Dr.
    Cincinnati, OH 45227^[21]

Lexus Financial Services

• Regular mail:
  • Lexus Financial Services
    P.O. Box 5855
    Carol Stream, IL 60197-5855^[22]
• Overnight:
  • Lexus Financial Services
    Attn: Retail Payoff
    Box 5855
    5505 N. Cumberland Ave., Suite 307
    Chicago, IL 60656^[22]

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]
• Overnight:
  • Mercedes-Benz Financial Services
    Box# 5209
    8430 West Bryn Mawr Ave., 3rd Floor
    Chicago, Illinois 60631^[24]

Navy Federal Credit Union

• Regular mail:
  • Navy Federal Credit Union
    P.O. Box 3105
    Merrifield, VA 22119^[25]
• Overnight:
  • Navy Federal Credit Union
    820 Follin Lane SE
    Vienna, VA 22180^[25]

Nissan Motor Acceptance Corporation

• Regular mail:
  • NMAC
    P.O. Box 740849
    Cincinnati, OH 45274-0849^[26]
• Overnight:
  • ATTN: RLBX 740849
    MD 1MOC1N
    5050 Kingsley Dr.
    Cincinnati, OH 45227^[26]

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]
• Overnight:
  • PenFed Credit Union
    2930 Eisenhower Avenue
    Alexandria, VA 22314^[27]
  • PenFed Credit Union
    13220 Fort Street
    Omaha, NE 68164^[27]

PNC Bank

• Regular mail:
  • PNC Bank
    P.O.Box 747066
    Pittsburgh, PA 15274-7066^[28]
• Overnight:
  • c/o PNC Bank
    Lockbox 747066
    500 First Ave.
    Pittsburgh, PA 15219^[28]

Santander Consumer Holdings USA

• Regular mail:
  • Santander Consumer USA Inc.,
    P.O. Box 660633
    Dallas, TX 75266-0633^[29]
• Overnight:
  • Santander Consumer USA Inc.
    3000 Kellway Dr., Suite 120
    Carrollton, TX 75006^[29]

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]
• Overnight:
  • Security Service Federal Credit Union
    Payment Services
    15000 W Interstate 10
    San Antonio, TX 78249^[30]

Subaru Motors Finance

• Regular mail:
  • Subaru Motors Finance
    P.O. Box 78067
    Phoenix, AZ 85062-8067^[31]
• Overnight:
  • Subaru Motors Finance
    1820 E Sky Harbor Circle S, Suite 150
    Phoenix, AZ 85034-4875^[31]

Truist Bank

• Regular mail:
  • Truist
    Attn: Lockbox #580223
    5130 Parkway Plaza Blvd.
    Charlotte, NC 28217-1954^[32]

TD Auto Finance

• Regular mail:
  • TD Bank Lockbox
    TD Auto Finance – 16039
    Mailstop ME2-074-017
    6 Atlantis Way
    Lewiston, ME 04240^[33]

Toyota Financial Services

• Regular mail:
  • Toyota Financial Services
    P.O. Box 5855
    Carol Stream, IL 60197-5855^[34]
• Overnight:
  • Toyota Financial Services
    Attn: Retail Payoff
    Box 5855
    5505 N. Cumberland Ave., Suite 307
    Chicago, IL 60656^[34]

U.S. Bank

• Regular mail:
  • U.S. Bank
    P.O. Box 790179
    St. Louis, MO 63179-0179^[35]
• Overnight:
  • U.S. Bank Consumer Loan Servicing
    Payment/Payoff Processing
    1850 Osborn Ave.
    Oshkosh, WI 54902^[35]

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]

Volkswagen Credit

• Regular mail:
  • Volkswagen Credit
    1401 Franklin Blvd.
    Libertyville, IL 60048-4460^[37]

Wells Fargo Auto

• Regular mail:
  • Wells Fargo Auto
    P.O. Box 17900
    Denver, CO 80217-0900^[38]
• Overnight:
  • Lockbox Services 17900
    Wells Fargo Auto
    MAC C7301-L25
    1740 Broadway St – LL2
    Denver, CO 80274^[38]