Request a payoff quote before you send your final payment. This form is for existing Westlake Black Visa Credit Card account holders only.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. Creating a payoff letter is essential to any loan or mortgage repayment process. Our free templates and this guide can help you get started. A payoff letter provides instructions on how to pay off a loan with a lump sum before the loan term ends. Learn how payoff letters work. A 10day payoff refers to the time it takes for your new lender to pay off your old loans during a refinance. North State Bank has uniquely defined what it means to be a community bank in Wake and New Hanover counties.