> For the complete documentation index, see [llms.txt](https://help.helioscard.xyz/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://help.helioscard.xyz/credit-line-and-borrowing/repaying.md).

# Repaying your balance

You can repay your credit line balance at any time to reduce interest, free up your borrowing limit, and release your collateral.

## How to repay

1. Go to **Repay** from your dashboard or credit line.
2. Enter the amount you want to repay (or choose to repay in full). Repayment uses your USDC balance.
3. Confirm.

As you repay, your available credit goes back up, the collateral backing the repaid portion is released, and interest stops accruing on what you've paid off.

{% hint style="info" %}
Don't have enough balance to repay? You can repay by selling some of your collateral instead — see [Sell to repay](/credit-line-and-borrowing/sell-to-repay.md).
{% endhint %}

## Repay automatically

In **Settings**, **Auto top up with collateral** automatically sells a small amount of collateral to keep your balance healthy, without you doing it manually. See [How the credit line works](/credit-line-and-borrowing/how-it-works.md#automation-optional).

## Frequently asked

### Is there a repayment schedule?

There's no fixed schedule — you can repay on demand, in part or in full, whenever you like. Because interest accrues on an unpaid balance, repaying sooner costs less.

### Can I repay part of my balance?

Yes. Partial repayments are fine; repaying more frees up more of your limit and collateral.

### What does repayment draw from?

Your USDC balance. If you don't have enough, use [Sell to repay](/credit-line-and-borrowing/sell-to-repay.md).


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