PRODUCT DETAILS PAYMENT DETAILS RETURN POLICY Reference #: 50% Discount on Remaining Balance Any Time After 180 Days (Example: Your Balance = $300 then Your One-Time Payoff Amount = $150 and YOU SAVE $150) Take 30 days to decide. We want you to be 100% satisfied with your National Credit Direct purchase. At any time you can return an item in its original condition within 30 days from receipt and we’ll issue a refund. No questions asked.