> ## Documentation Index
> Fetch the complete documentation index at: https://developers.circle.com/llms.txt
> Use this file to discover all available pages before exploring further.

# How-to: Repay a loan

> Repay part or all of an open loan's outstanding USDC debt and release your cirBTC collateral back to your Circle Mint balance.

You can repay a loan in full or in part. Full repayment closes the loan and
releases the cirBTC collateral back to your Circle Mint balance. Partial
repayment reduces the outstanding debt without closing the loan or releasing
collateral. See
[How Digital Asset-Backed Borrowing works](/circle-mint/concepts/digital-asset-backed-borrowing)
for the underlying concepts.

## Prerequisites

Before you begin, ensure that you've:

* Completed the
  [Borrow USDC against cirBTC collateral](/circle-mint/quickstarts/borrow-with-cirbtc)
  quickstart and hold at least one loan in `active` status.
* Held sufficient USDC in your Mint balance to cover the repayment amount you
  plan to submit.

## Steps

<Steps>
  <Step title="Choose a repayment mode">
    Decide whether you want to repay in full or partially, then call
    [`POST /v1/borrow/loans/{id}/repayments`](/api-reference/circle-mint/digital-asset-backed-borrowing/create-borrow-repayment)
    with the corresponding `mode`.

    * **Full repay**: set `mode: FULL`. Circle measures the outstanding debt at the
      moment it builds the UserOperation and repays that exact amount. On success,
      Circle releases the loan's cirBTC collateral back to your Mint balance and the
      loan transitions to `closed`.
    * **Partial repay**: set `mode: PARTIAL` and include the `amount` you want to
      apply in raw `uint256` base units. The loan stays `active` with a reduced
      debt. No collateral is released.

    <Tabs>
      <Tab title="Full repay">
        ```bash theme={null}
        curl -X POST https://api-sandbox.circle.com/v1/borrow/loans/fc988ed5-c129-4f70-a064-e5beb7eb8e32/repayments \
          -H "Authorization: Bearer $API_KEY" \
          -H "Content-Type: application/json" \
          -d '{
            "idempotencyKey": "d7a3e2c1-8f45-4b91-ae67-2c9d0f8b3e5a",
            "mode": "FULL"
          }'
        ```
      </Tab>

      <Tab title="Partial repay">
        ```bash theme={null}
        curl -X POST https://api-sandbox.circle.com/v1/borrow/loans/fc988ed5-c129-4f70-a064-e5beb7eb8e32/repayments \
          -H "Authorization: Bearer $API_KEY" \
          -H "Content-Type: application/json" \
          -d '{
            "idempotencyKey": "d7a3e2c1-8f45-4b91-ae67-2c9d0f8b3e5a",
            "mode": "PARTIAL",
            "amount": "50000000000"
          }'
        ```
      </Tab>
    </Tabs>

    The endpoint returns an `onchainJob` with `jobType: repay`:

    ```json theme={null}
    {
      "data": {
        "id": "e5f6a7b8-9012-3456-efab-345678901234",
        "jobType": "repay",
        "status": "received",
        "createDate": "2026-06-25T10:00:00.000Z",
        "updateDate": "2026-06-25T10:00:00.000Z"
      }
    }
    ```

    Save the job `id`. You poll it in the next step.
  </Step>

  <Step title="Poll the job to completion">
    Circle builds, signs, and submits the onchain UserOperation for the repayment.
    The job progresses through `submitted` and `confirmed` to `completed`. Poll
    [`GET /v1/borrow/jobs/{id}`](/api-reference/circle-mint/digital-asset-backed-borrowing/get-borrow-job)
    until you see the terminal state.

    ```json theme={null}
    {
      "data": {
        "id": "e5f6a7b8-9012-3456-efab-345678901234",
        "jobType": "repay",
        "status": "completed",
        "amount": "500.00",
        "asset": "USD",
        "loanId": "fc988ed5-c129-4f70-a064-e5beb7eb8e32",
        "txHash": "0x2b3c4d5e6f70819293a4b5c6d7e8f90a1b2c3d4e5f60718293a4b5c6d7e8f9aa",
        "createDate": "2026-06-25T10:00:00.000Z",
        "updateDate": "2026-06-25T10:02:00.000Z"
      }
    }
    ```
  </Step>

  <Step title="Confirm the outcome">
    Fetch the loan to inspect the updated position:

    ```bash theme={null}
    curl https://api-sandbox.circle.com/v1/borrow/loans/fc988ed5-c129-4f70-a064-e5beb7eb8e32 \
      -H "Authorization: Bearer $API_KEY"
    ```

    For a full repay, the loan's `status` is `closed` and `debtAmount` is zero. The
    cirBTC collateral is credited back to your Mint balance. Confirm the credit by
    calling `GET /v1/businessAccount/balances`.

    For a partial repay, the loan's `status` remains `active` and `debtAmount`
    reflects the reduced outstanding balance. No collateral change occurs.
  </Step>
</Steps>