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 can I repay my loan? What happens if I don't have enough balance to Auto Top-up? How does Auto Top-up actually work? What services can US residents access after the measure has been implemented?