No matter the loan you have, it is necessary to get in touch with a lender to ask them for a Payoff Quote before you confirm your intent to start the payoff process. Within one or two days, any bank or private creditor will prepare a statement that shows the amount you owe and the date the offer to fulfill your obligations in full expires. Note that even if you spend a lot of time getting a Payoff Quote from the lender, no one can oblige you to pay off the balance, you are just obtaining a quote, and if you are not ready to deal with your debt now, you can just keep making your usual payments.