Title and Insurance Requirements

You will be responsible to ensure your vehicle is properly titled listing State Farm Federal Credit Union (SFFCU) as the lienholder. Once your loan is closed we will send you a title & insurance letter outlining these requirements.

Titling Requirements


Purchase Type Requirements
Purchasing any new or used vehicle from a dealership Dealers are required to record State Farm Federal Credit Union as the lienholder on the title. Please provide the dealer with the lien information provided here.



Purchasing a vehicle from a private party


Refinancing a vehicle


Financing an auto/truck for which you have clear title

You will be responsible for having State Farm Federal Credit Union added as a lienholder to your title as outlined here.


Each state has specific titling requirements. If refinancing, you should receive a released or clear title from the previous lender after the payoff has been processed. 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.


Note: 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 Certain vehicles require Uniform Commercial Code (UCC) filings to ensure SFFCU’s interest as lienholder. Contact your state agency for information.



Insurance Requirements


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.



If you have questions, email or call 888-521-5209, Option 2.