We use a Continuous Payment Authority (CPA) to make the repayment process seamless and stress-free for you on a 12 month loan. Your credit agreement will outline your payment due date, whether it's weekly or monthly, and the CPA will automatically deduct the required amount from your bank account. To help you keep track of your repayments, we'll send you a reminder a few days before each due date. It's crucial to maintain timely repayments to sustain your loan and to contact us immediately if you foresee any issues.