How to Send a Payoff Statement to Ford Motor Credit

Most people asking this already have a loan with Ford Motor Credit and need to send a payoff request or payment to the right address. The problem is the address changes depending on your state, whether you're sending by mail or overnight, and whether it's a payoff statement request or an actual check.

Ford Motor Credit Payoff Address

Here's the standard mailing address for payoff statement requests: Ford Motor Credit Company LLC Attn: Payoff Services P.O. Box 680776 Fort Worth, TX 76168-0776 If you're sending an actual payoff payment by regular mail, use the same address. For FedEx or UPS, you'll need a different physical location instead of a PO box. The overnight address is: Ford Motor Credit Company LLC Attn: Payoff Services 1400 MacArthur Boulevard Dearborn, MI 48126 But I wouldn't trust those addresses to be current without double-checking. A while back I went through a situation where I had a trade-in payoff running through a dealership, and the dealer gave me the old Fort Worth address from a document that was at least two years out of date. The check came back unprocessed because Ford reorganized their mail handling and shifted the payoff processing center. I ended up having to track down the correct address through their customer service line and resend the paperwork, which added about three weeks to the closure timeline. The workaround I used after that was to call Ford Motor Credit directly before mailing anything. The payoff department number is on the back of your monthly statement. Ask them to confirm the address for your specific loan type and state, and ask whether they accept payoffs by mail or prefer electronic payoff requests through their online portal. A lot of loans can now get a payoff quote and even submit payoff authorization entirely through the Ford Motor Credit website or mobile app, which cuts the mail delay out of the equation. There are a few things most people miss when going through this process. First, a payoff quote is only valid for the dates listed on it. Ford Motor Credit typically issues quotes valid for 10 business days. If you're selling the car or refinancing and there's any delay, that quote expires and you'll need a new one. This happens constantly with used car sales where the title transfer drags on two extra weeks and nobody notices the payoff letter has expired. Second, the address you send the payoff request to is not always the same as the address on your payment card. Your regular payment might go to a lockbox in a completely different city. This is intentional. Payoff requests require different document handling, so they route to a dedicated processing unit. Third, if you have a lease rather than a retail installment contract, the payoff address and process can be different. Lease buyout addresses sometimes go to a separate division within Ford Motor Credit. If your statement doesn't clearly indicate which type of account you have, call and verify before sending anything. I've seen people send payoff letters to the wrong address because they pulled the return address from a random email and assumed it was the mailing address. It wasn't. The letter sat in a queue for several weeks before someone flagged it, by which point the payoff quote had expired twice. Another practical note: when you mail a payoff request, include a copy of the last page of your most recent statement and your account number. Without the account number, they'll still process it, but it adds processing time because someone has to locate your account manually. That's usually one to two business days of delay. If your payoff is tied to a dealership transaction, make sure the dealer writes the payoff letter in their name if they're the ones closing the deal, or that you authorize them to act on your behalf. Ford Motor Credit will not release payoff information to a third party like a dealer without written authorization from the account holder. I had a case where the dealer submitted the payoff request without my signed authorization, and Ford rejected it outright. Had to get a wet signature and resend.