Roll the dice and learn a new word now! Until you receive your copy, you have an unconditional right to cancel the lease.A 10 day payoff is crucial to getting your old loans paid off during a refinance. Learn how it works from start to finish. It's the payoff amount 10 days in the future. Get in touch with us at Credit Acceptance. Find various ways to contact us here. Have a question about your account or looking for your Routing Number? Count on Columbia to answer all questions and concerns you may have. The quick answer is: Get a: Payoff good for 10 days from the Lender.