Paying your loan — manual payments, autopay, and bank transfers at cost

Your loans live on the My Loans tab of /me/credit. Each one shows its outstanding balance, current APR, accrued interest, and next payment due date — and gives you two ways to pay.

**Make a payment now**
Enter an amount and tap Pay. The payment is pulled by bank transfer (ACH) from the funding account you've connected, then applied: principal comes off your balance, interest is recognized, and the lender's books update automatically. Each payment splits cleanly into principal and interest behind the scenes.

**Set up autopay**
Pick a connected bank account and tap Enroll. From then on, Turtini charges your monthly payment automatically on each due date — a nightly job finds enrolled loans whose due date has arrived and pulls the payment. Turn it off anytime with one tap; cancelling autopay never affects your rate or your loan. (Autopay is also one of the signals you can share to lower your APR — see [[lending-apr-ratchet]].)

**Connecting a bank account**
You connect a depository (checking/savings) account once; it becomes your funding account for payments and the destination when a loan is disbursed to you. Disbursement and repayment both move over the same ACH rail.

**Moving your money is at cost**
Turtini doesn't put a toll on money you're just moving. The payment rails — loan disbursement, repayments, autopay — run at zero platform margin; there's no per-transaction fee skimmed off your payment. (The only loan cost is the lender's own APR and any origination fee they disclose up front — both visible before you accept.) That's a deliberate principle: rails are infrastructure, not a meter. [[feedback_payment_rails_at_cost]]