Where to send documents when Carvana holds the lien on your vehicle

If you financed a car through Carvana and the company holds a lien on your title, you will need their lienholder address to handle certain paperwork — most commonly when you want to pay off the loan early, transfer the title, or satisfy the lien so you can sell the car to someone else. Carvana's lienholder address is 8 W Camelback Rd, Phoenix, AZ 85013. This is the address where you send lien payoff requests, title documents, and other formal correspondence related to your loan.

The address appears on your loan documents and vehicle title, but many borrowers don't see it until they need it. Knowing where to send documents and what information Carvana needs from you can speed up the process of satisfying a lien or refinancing your loan elsewhere.

Key Takeaways

  • Carvana's lienholder address for lien payoff and title matters is 8 W Camelback Rd, Phoenix, AZ 85013.
  • Your vehicle title and loan documents both list this address, so you can verify it before sending anything.
  • When requesting a lien payoff, include your loan number, vehicle identification number (VIN), and current contact information so Carvana can locate your account quickly.
  • A lien payoff quote is usually valid for 10 to 30 days, so plan your payment timing carefully if you are refinancing or selling the vehicle.
  • You can also contact Carvana's customer service by phone or through your online account to request a payoff amount before mailing any documents.

Why you need Carvana's lienholder address

A lien is a legal claim Carvana holds on your car until you finish paying the loan. When you own the title outright — meaning the lien is satisfied — you can sell the car, refinance it with another lender, or transfer it to someone else without Carvana's involvement. Until then, Carvana's name appears on your title as the lienholder.

You need this address when you want to pay off the loan early, when you are refinancing with a different lender, or when you are selling the car and need to clear the lien before handing over the title. Some states also require a lien release letter from Carvana before you can register the vehicle in a new owner's name. Sending documents to the correct address ensures they reach the right department and do not get lost in the mail.

How to request a lien payoff from Carvana

The fastest way to get a payoff amount is through your Carvana online account or by calling their customer service line. You can log into your account, view your loan balance, and often request a payoff quote directly without mailing anything. This quote will tell you the exact amount needed to satisfy the lien, including any interest accrued through a specific date.

If you prefer to request a payoff in writing, send a letter to the Phoenix address that includes your loan number, VIN, the current date, and your contact phone number and email. Carvana will respond with a payoff quote that is typically valid for 10 to 30 days. Keep this quote and the date it was issued, because the payoff amount changes slightly each day as interest accrues.

When you are ready to pay off the loan, follow Carvana's instructions for sending the payment. Some lenders accept checks mailed to the lienholder address; others require a wire transfer or cashier's check. Ask Carvana which method they prefer and whether they need the payoff quote included with your payment.

What happens after you pay off the lien

Once Carvana receives your payoff payment and processes it, they will release the lien and send you a lien release document. This document proves that Carvana no longer has a claim on the vehicle. You will need this release to register the car in your name alone, refinance it with another lender, or sell it.

The time it takes to receive the lien release varies. Some lenders mail it within a few business days; others take one to two weeks. Ask Carvana for an estimated timeline when you submit your payoff. If you are selling the car or refinancing soon, mention that to Carvana so they know the urgency.

In some states, you must also file the lien release with your state's Department of Motor Vehicles or equivalent agency. Check your state's rules about title transfers and lien releases, because the process differs by location.

Refinancing a Carvana loan with another lender

If you want to refinance your Carvana loan with a bank, credit union, or online lender, that new lender will handle most of the paperwork. They will contact Carvana directly to request a payoff quote and arrange payment. You do not usually need to send anything to Carvana's Phoenix address yourself — the refinancing lender coordinates with them.

Tell your new lender that Carvana holds the lien and provide them with Carvana's lienholder address if they ask. They will use it to send the payoff funds and request the lien release. The process typically takes one to two weeks from the time your new loan is approved.

Selling a car with a Carvana lien

If you want to sell your car while Carvana still holds the lien, you have two options. The first is to pay off the loan yourself before the sale closes, which means you need a payoff quote from Carvana and time to arrange payment. The second is to let the buyer's lender pay off Carvana as part of the purchase — this is common when the buyer is financing the vehicle.

In either case, the buyer or their lender will need Carvana's lienholder address to coordinate the payoff. If you are selling privately, make sure the buyer understands that Carvana must release the lien before the title can transfer. Many private sales fall through because the seller and buyer do not plan for this step.

Verifying the address on your documents

Before you mail anything to Carvana, check your loan documents and vehicle title to confirm the lienholder address. Carvana's address should appear on both. If the address on your title is different — for example, if Carvana has moved or if your loan was transferred to another company — use the address on your title instead.

You can also call Carvana's customer service to confirm the current mailing address for lien payoffs. This takes only a few minutes and ensures your documents reach the right place. Having the correct address is especially important if you are mailing a check or other payment, because a wrong address means a delayed payoff and continued interest accrual.

Frequently Asked Questions

Can I pay off my Carvana loan early without a penalty?

Carvana does not charge prepayment penalties, so you can pay off your loan at any time without extra fees. You will still owe accrued interest through the payoff date, but no additional charges explore. Contact Carvana for a payoff quote to see the exact amount.

How long does it take to receive a lien release after I pay off the loan?

Lien release timing varies, but most lenders mail the release within 5 to 10 business days of receiving payment. Ask Carvana for their specific timeline when you submit your payoff. If you need the release urgently, mention that when you contact them.

What if I move and Carvana sends documents to my old address?

Update your address with Carvana as soon as you move. You can do this through your online account or by calling customer service. This ensures you receive loan statements, payoff quotes, and lien release documents at your current address.

Do I need to include anything with my payoff check besides the payment amount?

Include your loan number and VIN with your check so Carvana can match the payment to your account. If Carvana provided a payoff quote, include a copy of that as well. Write your loan number on the check memo line for extra clarity.

What if my Carvana loan was sold to another company?

If your loan was transferred, your loan documents and statements will show the new lienholder's name and address. Use that address for any payoff requests or lien release documents. You can also call your current loan servicer to confirm their mailing address.