A 10day payoff refers to the time it takes for your new lender to pay off your old loans during a refinance. It's the payoff amount 10 days in the future.As an FYI, mortgage payoffs will typically have a few days of extra per diem interest added beyond closing. TD Auto Finance United States (US), is a financial-services provider for retail consumer and dealer services. To obtain payoff information, you may call 1-866-544-3430. By including a per diem amount in the letter, the parties will not have to execute another payoff letter if the termination date. What is a Payoff Agreement? A payoff agreement is an informal contract in which a creditor agrees to accept the balance of a debt owed as full payment. We're here for you at every turn. Manage all aspects of your TD Auto Finance accounts from monthly payments to account payoff.