Just got a lien release letter from Toyota, somehow I expected the letter to look more official. Do I just take the old title, and this letter to the DMV? Man it feels freaking GREAT to know I own my car. Old OP --- I am tired of car payments, so I decided to pay off my car. Right now, I made a payment that will leave me with exactly $1000 left to pay. I stopped short because Toyota Financial wants a check to be mailed to them for the payoff amount. I've found no documentation saying that I couldn't just pay the whole thing off online. I'll give them a call Friday, when the actual payment should be processed, but I am hoping you guys might know something. I've paid off a lease early (with AT Garage help), and bought cars cash but I've never paid off a car. This will be the first car I've actually owned since 2004. I have 36 months left on the agreement on an original loan of ~$20k @ 5.9%. Current balance is $3200. My questions are: What happens if I pay off the $1000 left over online instead of mailing them a check? Will I cause myself a problem? Will I get the title to the car right away, or do I have to pay extra for that? Is there any break on insurance at all from moving to ownership from financing? I want to call Toyota to find out what the heck, but I really don't want to do it from my work desk or until it says $1000 left.