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2003 STS w/BoseNav, 1993 Deville, 1985 Deville
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1,089 Posts
Discussion Starter #1
After the payoff amount has been sent to GMAC, how long does it typically take GMAC to send the title?
 

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1994 Fleetwood 60" Stretch; '07 Avalanche, '95 Nighthawk
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3,963 Posts
You should probably call them. It should be automatic but every time I've paid off a car loan there's been some kind of incompetence that delays or prevents the title from coming in a timely manner.

When I sold my Cavalier (shut up - it was a reliable little car) I had to finally drive to the GMAC office in NJ where they actually had the title stored.

Jim
 

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'93 Cadillac 60 Special; '03 Lincoln TownCar Limited ED
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5,929 Posts
It should take absolutely NO LONGER than 5 working days. If you don't have it by the 5th working day - call up & squeek.
 

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'05 Expedition
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You have to call in most cases. I don't know about GMAC, but two different banks I dealt with kept the titles until you demanded them.

They said it was a service they were providing for their customers, since most people lose titles. I say it was laziness.
 

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2003 STS w/BoseNav, 1993 Deville, 1985 Deville
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1,089 Posts
Discussion Starter #6
Thanks for the advice, guys!
 

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91 Allante (gone), 06 SRX (gone)
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4,396 Posts
In Michigan, you already have your title and GMAC sends a release of lien letter to take to the Secretary of State office. When my son paid off his truck by certified check, we got the letter and a $0.75 check for overpayment within a week.

However, when I paid off my vette, I paid via their electronic banking service and they counted it as a personal check. This held up the letter for 3 weeks because they somehow classified it as unverified funds.
 

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2003 STS w/BoseNav, 1993 Deville, 1985 Deville
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1,089 Posts
Discussion Starter #8
I was just notified that the title was mailed to me today. I should have it Thursday. Whoo Hoo!
 
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