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

Woman stamping an envelope to send her auto payoff check

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 Bank logo

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]