Submitting a Title to SFFCU

Within 60 days of purchasing or refinancing your car, truck, motorcycle, boat, or RV, a Certificate of Title or other proof of ownership indicating State Farm Federal Credit Union as the first lienholder must be submitted to SFFCU. If the lien-recorded title isn’t received within that time frame, your loan’s APR may be converted to our personal loan rate, which is typically higher.

Submitting a Title to SFFCU

Dealers are required to record State Farm Federal Credit Union as the lienholder on the title. For your state, provide the dealer with the lien information provided here.

If there’s a delay in receiving the title, contact your dealer to confirm they’ve submitted the necessary paperwork to the DMV. If they already have, contact your state DMV to resolve.

Reminders

  • The vehicle must be titled in at least either the borrower or co-borrower’s name. No individuals may be listed on the title unless they have signed the security agreement. If SFFCU receives a title that includes additional names, we will require a new security agreement be signed by all parties listed on the title. If your loan is in a business name, both your name and the business name will be required to be listed on the title.

  • Non-titled vehicles require Uniform Commercial Code (UCC) filings to ensure SFFCU’s interest as lienholder. Contact your state agency for information.
If you purchased your vehicle from a private seller or are titling the vehicle yourself, review your state’s specific titling requirements before taking the title to your local DMV.

If you need assistance, please contact your state titling agency for a complete list of all documents and fees needed to title vehicles in your state.

Reminders

  • The vehicle must be titled in at least either the borrower or co-borrower’s name. No individuals may be listed on the title unless they have signed the security agreement. If SFFCU receives a title that includes additional names, we will require a new security agreement be signed by all parties listed on the title. If your loan is in a business name, both your name and the business name will be required to be listed on the title.

  • Non-titled vehicles require Uniform Commercial Code (UCC) filings to ensure SFFCU’s interest as lienholder. Contact your state agency for information.
If you refinanced from another financial institution you should receive a released or clear title from the previous lender after the payoff has been processed. Review your state’s specific titling requirements before taking the title to your local DMV to add SFFCU as lienholder.

If you need assistance, please contact your state titling agency for a complete list of all documents and fees needed to title vehicles in your state.

Reminders

  • The vehicle must be titled in at least either the borrower or co-borrower’s name. No individuals may be listed on the title unless they have signed the security agreement. If SFFCU receives a title that includes additional names, we will require a new security agreement be signed by all parties listed on the title. If your loan is in a business name, both your name and the business name will be required to be listed on the title.

  • Non-titled vehicles require Uniform Commercial Code (UCC) filings to ensure SFFCU’s interest as lienholder. Contact your state agency for information.
  • In accordance with regulatory agency rules related to member business loans there is a maximum total of $49,999 allowed for all loans specifically for business purposes.

  • Vehicle loans in the name of your agency or a vehicle titled in the name of your agency are automatically considered for business purposes and will count toward the maximum limit.

  • Title(s) cannot be listed in your agency name only. For example, John Agent LLC is not allowed. However you are allowed to list John Agent LLC and John Agent. If the title is received without a natural person name listed it will need to be corrected at your expense.
Inform your insurance agent/company to list State Farm Federal Credit Union as lienholder/loss payee as follows:

State Farm Federal Credit Union
PO Box 853944
Richardson, TX 75085-3944

Insure your vehicle with both comprehensive and collision coverage with a deductible not to exceed $1,000.

Please see our Frequently Asked Questions – Vehicle Titling page for answers to specific titling questions.

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