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After you decide on the amount of your loan for example 1100.00 target will add the onetime interest free 100.00 (usally not that big) u select a 1 2 3 payoff year plan. They devide the remaining checks in that period and remove the amount from ur check instantly so if u had a 1 yr plan 50...

I take one every year for Christmas and pay it off early with income tax. It works great for me

After you pay it off you have to wait until the beginning of the next pay cycle after the day they receive the check or money order you cannot pay online