# How to Make Repayments on a Client Loan Account
This section describes the steps to record a client repayment on a loan account that is not a group loan account or a JLG loan account. The following methods are available:
* repayment via cash or similar payment type
* one time transfer from saving account
* standing instruction transfer from saving account
For repayments of group loan accounts see [How to Make Repayments on a Group Loan Account](/mifosx/user-manual/for-operational-users-mifos-x-web-app/accounts-and-transactions/loan-accounts/how-to-make-repayments-on-a-group-loan-account.md).\
For repayments of JLG loan accounts see [Using collection sheet or other payment types for making payments.](/mifosx/user-manual/for-operational-users-mifos-x-web-app/accounts-and-transactions/loan-accounts/using-collection-sheet-or-other-payment-types-for-making-payments.md)
### To make a repayment using cash or similar payment type
Locate the loan account by navigating to it through the client who holds the loan account.
1. Select **Make Repayment** from the action bar.
2. Accept the default **Transaction date** or select a different date from the calendar pop-up.
3. Accept the default **Transaction amount** or type a different repayment amount.
4. Select **Payment type** from the list.
5. Click **+** to add payment details (optional).
a. Account#
b. Check#
c. Routing code
d. Receipt#
e. Bank#
6. Type relevant notes.
7. Click **Submit.**
The loan account repayment will be recorded and the repayment schedule and loan summary will be updated with the payment information.
### To make loan repayments from a saving account (one time transfer)
Locate the saving account from which the loan repayment will be made (the originating account).
{% hint style="danger" %}
The saving account from which the transfer originates needs not belong to the same client that the loan account belongs to. The client who owns the originating account must request/authorize the transfer.
The originating and destination accounts must be in the same currency.
{% endhint %}
1. Click the saving account name in the list to view the saving account information.
2. Click **More** and **Transfer Funds** from the action bar.
3. Select the group and account (the destination loan account to be repaid) to transfer funds to:
**a. Office**: Select the office where the destination loan account is located.
**b. Client**: Select the client who holds the destination loan account.
**c. Account type**: Select the loan product type upon which the destination loan account is based.
**d. Account**: Select the destination loan account.
**e. Amount**: Type the transfer amount.
4. Select the **Transaction date** from the calendar pop-up.
5. Type any notes in **Description**
6. Click **Submit**.
### To make loan repayments from a saving account (standing instruction transfer)
Standing instructions can be set up to transfer funds from a saving account to a loan account. The transfer will take place based on the schedule defined in the standing instruction. For a loan repayment, the standing instruction schedule can be set to match the loan repayment schedule.
**Enabling "Create standing Instruction at Disbursement"**
In New Loan application page
On automatically running the Scheduler jobs for "Execute Standing Instruction" on the repayment date, Repayment amount automatically gets collected from the linked savings account.
Note: If there isn't sufficient funds in the linked savings account, Scheduler jobs for "Execute Standing Instruction" fails and the repayment doesn't happen.
{% hint style="danger" %}
The saving account from which the transfer originates needs not belong to the same client that the loan account belongs to. The client who owns the originating account must request/authorize the standing instruction.
The originating and destination accounts must be in the same currency.
{% endhint %}
{% hint style="danger" %}
*Need to describe what happens when a standing instruction cannot be completed because of a shortage of funds in the originating account. There seems to be an outstanding issue in JIRA regarding re-attempts to satisfy the standing instruction.*
{% endhint %}
Locate the client or group whose savings account will be the origination of the funds for the transfer.
1. Click **More** and **Create standing instructions** to create new standing instructions.
2. Complete the fields on the **Create Standing Instruction** form. See [Standing Instruction form fields](/mifosx/user-manual/for-operational-users-mifos-x-web-app/accounts-and-transactions/deposit-accounts/standing-instructions/how-to-set-up-a-standing-instruction/standing-instruction-form-fields.md).
3. Click **Submit**.
The standing instruction will be created and will be in effect from the **Validity from** date until the **To** date inclusive; or until the standing instruction is Disabled.
### Related articles
* Page:[Share Accounts](/mifosx/user-manual/for-operational-users-mifos-x-web-app/accounts-and-transactions/share-accounts.md)
* Page:[How to Prepay a Loan Account](/mifosx/user-manual/for-operational-users-mifos-x-web-app/accounts-and-transactions/loan-accounts/how-to-prepay-a-loan-account.md)
* Page:[Using collection sheet or other payment types for making payments](/mifosx/user-manual/for-operational-users-mifos-x-web-app/accounts-and-transactions/loan-accounts/using-collection-sheet-or-other-payment-types-for-making-payments.md)
* Page:[How to Assign a Loan Officer](/mifosx/user-manual/for-operational-users-mifos-x-web-app/accounts-and-transactions/loan-accounts/how-to-assign-a-loan-officer.md)
* Page:[How to Add a Charge to a Loan Account](/mifosx/user-manual/for-operational-users-mifos-x-web-app/accounts-and-transactions/deposit-accounts/mifos-x-saving-accounts/how-to-add-a-charge-to-a-saving-account.md)
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