> For the complete documentation index, see [llms.txt](https://docs.rootfinance.xyz/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.rootfinance.xyz/user-guide/repay-your-borrow-on-root.md).

# Repay Your Borrow on Root

With the "Repay" feature on Root Finance, you can return borrowed funds at any time, helping you manage your debt and reduce your loan-to-value (LTV) ratio. Here's how it works:

1. **Repay Anytime**: You can repay your borrowed funds whenever it suits you, making debt management easier.
2. **Lower Your LTV**: Repaying your loan lowers your LTV ratio, which is key to avoiding liquidation.
3. **Flexible Repayment Options**: Choose between partial or full repayment, giving you control over your LTV and debt levels.
4. **Withdraw Collateral**: As you repay your loan and your LTV decreases, you’ll be able to withdraw a portion of your collateral. Once you’ve fully repaid your debt, you can withdraw the total amount of your collateral.
5. **Stay Proactive**: Keep an eye on your LTV ratio and repay when necessary to stay ahead of potential liquidation.
6. **Save on Interest**: Repaying promptly helps you minimize interest accumulation, allowing you to stay in control of your financial position and practice better debt management.