We make every effort to help you pay your loan back. We would rather you pay your loan back than sell your item. If you can't pay back the full amount, you can pay the interest on your loan to extend the loan by another 30 days. We'll even send you a text message reminder before closing your loan and selling your item. If you're unable to pay your loan back or stop making interest payments, we close your loan and put your item up for sale 30 days after your payment was due. We don't report to any credit agencies or make harrassing phone calls.