Are there penalties if I pay back my Ledn loan before the end of the 12-month term? January 23, 2023 20:15 Updated No, we do not charge any prepayment penalties. Related articles What is Auto Top-up? How to redeem excess collateral? How can I repay my loan? What is a B2X Loan? Can I pay back my Ledn Loan before the end of the 12-month term?