Yes, Prospa does accept ad hoc voluntary payments outside of your contractual direct debits, however these amounts will not reduce the total payback amount or interest payable. To receive a discount on this, the loan needs to be repaid in full. If the intention is to make extra contributions on top of your balance and then pay out early in full in a lump sum, Prospa will then honour the monthly exit point payout figure at the equivalent point in time.