If you’ve used any of your Cover balance, we’ll automatically collect only what you’ve used the next time you add money to your KOHO Spendable. For example, if you used $20 of Cover, and add $50 to your spendable, we’ll collect $20, and you’ll have $30 left in your Spendable.

As long as you continue to pay your monthly subscription fee on time, you may repay what you borrowed at any time.