Repay an active loan

TL;DR

Time: 3–5 minutes once your vault holds the repayment token.
You need: ownership of the vault, the borrowed token plus interest sitting in the vault balance, and 1 yoctoNEAR for the contract call.
Outcome: the lender receives their funds, your vault returns to Idle, and the request disappears from lender dashboards.
Lenders: skimming this guide helps you anticipate when funds land back in your account.

Open your vault dashboard and check the active request card. It shows the token, principal, interest, and the total due.
Confirm the vault’s token balance. If you’re short, top it up before attempting repayment.
Watch the timer. You can repay any time before liquidation starts (the UI warns you if you’re close to expiry).

Click Repay loan on the active request card.
The dialog summarises what you owe and shows the vault’s current balance in the token.
If the balance is short, we highlight the exact delta you need to add.

Use the Top up vault balance helper to send the missing amount from your wallet to the vault.
If the wallet or vault is not registered with the token, you’ll see a one-click Register with token button first.
Once the balance is sufficient, the main Repay now button lights up.

Click Repay now. The wallet opens with a single repay_loan call to your vault.
Review the details and approve. We attach 1 yoctoNEAR for access control; gas is estimated for you.
Stay on the page while the transaction completes.

After the wallet reports success, we immediately trigger /api/index_vault.
The status badge switches from Active to Indexing… for a few seconds.
Once the refresh lands, the request card disappears and your vault status returns to Idle.

The vault dashboard shows no active request and lists the loan under Activity → Repaid (coming soon).
Your lender no longer sees the position in their dashboard.
The repayment toast includes the transaction hash so you can share proof if needed.

Loan already liquidated: The dialog disables repayment and points you to the claims flow. Reach out to support if you think it’s a mistake.
Insufficient balance: Add the missing token amount and run Repay now again.
Wallet error: Nothing leaves your vault until the wallet confirms success. Fix the issue (e.g., approval denied) and retry.
Indexer stuck: Use Retry indexing. If the state still shows the loan, share the transaction hash with support.

Consider delegating any remaining NEAR or resetting the collateral to prepare for the next request.
Keep the repayment hash handy if you plan to reconcile with off-chain accounting tools.
Let your lender know the repayment cleared; they’ll see the position drop off their dashboard, but a quick heads-up builds trust.