A 10day payoff refers to the time it takes for your new lender to pay off your old loans during a refinance. Call up all your credit card providers and negotiate lower balance.Submit a Payoff Request Form via email or fax. The first step is to get in touch with your lender or loan servicer. You can find their contact information on your monthly statements. 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. Pay off the credit card debt you've racked up. Request a payoff quote before you send your final payment. Minimum monthly payments required.