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Sign in to Account Manager. Click on "Make a Payment." Click on "Payment Options" to make a principal-only payment.
But in New Jersey, your finance company holds the title (until the loan is satisfied), and will sign it over and send it along with your lien release. You'll need to take both (or send it) to your DMV to get a new title listing you as the sole owner. Remember, keep all these documents in a safe place.
NJMVC requires the following items to remove a lien from a title: Vehicle Title, Vehicle registration, insurance card or declaration page, Bill of Sale, Certified record title search, DO-22 (by mail only, $15), Or, a certified record vehicle registration, DO-11A (can be obtained same day at a full-service agency, $15).
For your convenience, this information is available online through Account Manager. Sign in to Account Manager and view your payoff by clicking on the "View Payoff Amount" link near the "Payment progress" bar on the landing page.
Does Ford Credit have a grace period? The Ford Credit late payment policy provides a grace period of 7 to 15 days.