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.A 10-day payoff statement is a document from your lender that gives us the payoff amount to purchase your vehicle, including 10 days worth of interest. Please see more information in the Payoff Demand Instructions. Your 10day payoff letter is crucial to ensuring that your new lender sends the correct amount of money so there is no outstanding loan balance left over. Find answers to frequently asked loan questions about payments, credit card rewards and more from KeyPoint Credit Union in CA. Explore our FAQs online. The First Tech Team wants to hear from you. Visit our website to schedule an appointment, send us a secure message, find our phone number, and more. Easily find out Monterra Credit Union in CA branch hours and phone numbers to make an appointment or contact the right person. Visit one of our branches.