Volvo Car Financial Services: Payoff Address, Phone & Lease Rules
Volvo Car Financial Services U.S., LLC (VCFS) is a wholly owned subsidiary of Volvo Car Corp. and provides financing and leasing to Volvo customers and retailers in the US. Below: payoff addresses, phone lines, the lease-return timeline and title timing from the VCFS website.
Also known as: VCFS · Volvo Car Financial Services U.S., LLC
Brands: Volvo · Last verified November 8, 2026 against Volvo Car Financial Services's official website
Contact & payoff details
Loan payoff address (regular mail)
Volvo Car Financial ServicesPO Box 781064Philadelphia, PA 19178-1064Published for retail installment contracts. Lease payoff instructions come with your payoff quote.
Loan payoff address (overnight)
Lockbox Services 781064Volvo Car Financial Services2005 Market Street, 5th FloorPhiladelphia, PA 19103-7042Verify the address and your exact payoff amount with the lender before sending payment.
Lease buyout rules (as of November 8, 2026)
| Who buys the car | Policy |
|---|---|
| You (the lessee) | Allowed |
| A dealer buying it for you or taking it in trade | Not published |
| A third party (another dealer, online buyer, friend or family) | Not published |
To buy your leased Volvo, log in to your VCFS account or call 1-855-537-3339. VCFS doesn't publish rules on dealer or third-party buyouts. Payoffs are usually quoted without deducting your security deposit, which is mailed back after the payoff is processed.
“If you're enjoying your Volvo and want to purchase it, log into your VCFS account or call 1-855-537-3339.”
Weighing it up? Compare your buyout price to today's market with the lease buyout calculator.
Lease-end process
A VCFS representative contacts you to schedule a free vehicle inspection. Then contact your Volvo retailer to schedule the turn-in, and return all keys, the manual and the spare or sealant kit. Any excess-wear invoice comes 1–2 weeks after turn-in. If you have a new Volvo on order, you may be able to extend your lease.
Title & lien release after payoff
The title is sent about 15 days after VCFS receives all paperwork. Certified-funds and dealer payoffs are mailed within a few days, and personal-check payoffs take about 14 business days after the account closes. In electronic-title states (AZ, FL, GA, NE, PA, SC) and owner-held-title states, you get a Release of Lien or paid-in-full letter instead of a paper title.
Title not showing up? Our lien release guide covers state-by-state next steps.
Volvo Car Financial Services FAQ
What is the Volvo Car Financial Services payoff address?
Loan payoff address (regular mail): Volvo Car Financial Services, PO Box 781064, Philadelphia, PA 19178-1064. Loan payoff address (overnight): Lockbox Services 781064, Volvo Car Financial Services, 2005 Market Street, 5th Floor, Philadelphia, PA 19103-7042. Source: Volvo Car Financial Services's official website, verified November 8, 2026.
What is the Volvo Car Financial Services phone number?
Customer service: 1-866-499-6793 (Mon–Fri 8 a.m.–6 p.m. ET). Lease purchase quotes: 1-855-537-3339. Verified on Volvo Car Financial Services's official website November 8, 2026.
Can a third party buy out a Volvo Car Financial Services lease?
As of November 8, 2026: To buy your leased Volvo, log in to your VCFS account or call 1-855-537-3339. VCFS doesn't publish rules on dealer or third-party buyouts. Payoffs are usually quoted without deducting your security deposit, which is mailed back after the payoff is processed.
How do I get my title from Volvo Car Financial Services after payoff?
The title is sent about 15 days after VCFS receives all paperwork. Certified-funds and dealer payoffs are mailed within a few days, and personal-check payoffs take about 14 business days after the account closes. In electronic-title states (AZ, FL, GA, NE, PA, SC) and owner-held-title states, you get a Release of Lien or paid-in-full letter instead of a paper title.
How do I log in to my Volvo Car Financial Services account?
Manage your account online at https://www.volvocarfinancialservices.com (Volvo Car Financial Services's official site).
Lease & payoff tools
- Lease buyout calculator — is your buyout price worth it?
- Lease payment calculator
- How to get out of a car lease
- Lien release guide
- Volvo lease deals · Volvo money factors
Shopping for your next car? Search cars for sale.
Sources
- VCFS — Where to mail payoff funds
- VCFS — Payoff help center
- VCFS — Obtaining a payoff
- VCFS — Lease-end options
- VCFS — Vehicle return timeline
- VCFS — Title after payoff
- VCFS — Security deposit and lease payoff
- VCFS — Company overview
Last verified November 8, 2026. Facts are taken only from Volvo Car Financial Services's own website; anything we could not confirm there is left off this page. CarWhere is not affiliated with Volvo Car Financial Services.