This form is for existing Westlake Black Visa Credit Card account holders only. A 10day payoff refers to the time it takes for your new lender to pay off your old loans during a refinance.Request a payoff quote before you send your final payment. Call up all your credit card providers and negotiate lower balance. The first step is to get in touch with your lender or loan servicer. You can find their contact information on your monthly statements. Using a credit card to pay off a car loan typically has to be done via a balance transfer. This process involves moving debt from one place to another. Get answers to the most frequently asked National Debt Relief questions. Learn more about our program like how long it takes or what fees look like.