# When do I need to pay back what I borrow with Cover?

> Repayment happens automatically Whenever you add money to your KOHO account your Cover balance is replenished first  This includes direct deposits eTransfe

Source: https://help.koho.ca/en_us/when-do-i-need-to-pay-back-what-i-borrow-with-cover-S1FEvTDEMg

Last updated: 2026-07-17T15:16:22.927Z

Repayment happens automatically. Whenever you add money to your KOHO account, your Cover balance is replenished first.

This includes direct deposits, e-Transfers, debit card loads, and even funds moved from Goals or RoundUps into your Spendable balance. There’s no separate payment to schedule, repayment is built right into how your account works.