Yes, the manner in which you spend may affect lien or name launch timing.

  • Certified Funds Payoff: If you spend by dealer or check that is cashier’s cash Gram, Western Union, debit card, or money at a Capital One Bank, Capital One will start the lien launch process the following working day after receipt for the certified funds.
  • Non-Certified Funds Payoff: as we must allow time for the funds to clear if you pay by personal or business check, Capital One Mobile App, phone, or online, it may take up to five business days after the receipt of the uncertified funds before Capital One begins the lien or title release process.

Our name release timelines differ by state and whether you have got paid down with certified or funds that are uncertifiedplease see above).Read More