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? What happens if I don't have enough balance to Auto Top-up? How does Auto Top-up actually work? How can I repay my loan? Do partners and or affiliates receive referral bonuses?