How Do I Repay My Loan with Brolly?

Learn how Brolly uses PayTo for secure repayments, when you need to repay, and what happens if you miss the 30-day cycle.

Brolly loans run on a 30-day cycle. You must manually repay your loan on or before the 30th day to stay eligible for future borrowing.

1. When You’re Ready to Repay, Tap “Refill”

   • You can repay at any time during your 30-day cycle

   • Tap the “Refill” button in your wallet to either:

     • Pay off your loan

     • Or extend your cycle with a new loan (if eligible)

2. We’ll Set Up a PayTo Agreement

   • After tapping “Refill,” Brolly initiates a PayTo agreement

   • This authorises us to collect repayment directly from your linked bank account

   • You’ll approve this in your banking app (some banks prompt, others pre-authorise)

3. Repay or Extend by Day 30

   • On Day 25, we send you a reminder to choose:

     • Repay your loan

     • Extend your cycle (a new loan from a different lender, if eligible)

   • If no action is taken, the wallet will freeze on Day 30

4. Frozen Wallets Must Be Finalised

   • A frozen wallet means you can’t borrow again until it’s paid off

   • Once the loan is cleared, you’ll regain access to borrowing

• Repayments are not automatic — you choose when to repay or extend

• PayTo agreements are only created when you initiate a refill

• You’re always in control of your repayment and wallet status

• PayTo is secure, visible in your banking app, and easy to manage

Need help completing your repayment or setting up PayTo? Tap the chat bubble anytime.