How do I move tokens to repay a Polygon loan?

If your loan is on Polygon PoS and your repayment tokens are on Ethereum, bridge the exact token to Polygon, then repay it in the borrowing app. A borrowing position is your open loan, including the amount owed and any collateral you supplied.

What should you check before moving tokens?

Check the app’s network, repayment token, and current amount due first. The repayment token must match the one the app accepts; two tokens with the same ticker can be different assets.

For example, if the app shows 120 USDC due, confirm which USDC it accepts on Polygon PoS. Include interest accrued since you checked, plus a small amount for any change before the bridge transfer arrives.

Plan for gas, the network fee paid to process a transaction. A deposit usually costs gas on Ethereum, and repayment costs POL, Polygon’s native token, on Polygon PoS. The Ethereum fee depends on network demand; keep some POL available for the repayment transaction.

How do you bridge the tokens and repay?

1. Confirm the debt and token. Open the borrowing app on Polygon PoS and note the repayment asset and amount due. Check whether the app lets you repay part or all of the debt.
2. Work out the transfer amount. If your example balance is 120 USDC plus 0.40 USDC in accrued interest, bridge at least 120.40 USDC. You might bridge 122 USDC to allow for a small increase while it arrives; this is an example, not a required amount.
3. Check the Ethereum balance. Make sure the correct token is on Ethereum and you have ETH for the deposit transaction. Polygon documentation describes the PoS Bridge deposit as locking tokens on Ethereum and creating a matching representation on Polygon.
4. Move the token to Polygon PoS. Use Polygon Bridge for this Ethereum-to-Polygon transfer, and check that the destination is the same wallet used by the borrowing app. Wait until the tokens appear on Polygon before trying to repay.
5. Repay and verify. In the borrowing app, repay the amount you owe and confirm the transaction using POL for gas. Check the updated debt afterward; if you intended to close the position, verify that the debt is zero.

Polygon’s documentation describes the lock-and-representation mechanism; Polygon Support explains that withdrawals burn the Polygon-side tokens before the Ethereum-side tokens are released. Returning funds to Ethereum therefore takes additional steps. If you need to repay now, check the borrowing app’s accepted asset and use the Polygon Bridge to move it to Polygon PoS.

Can I repay with a different token?

Only if the borrowing app offers a swap or explicitly accepts that token for repayment. Otherwise, move the exact asset the app lists. A matching ticker alone does not prove that two tokens are interchangeable.

Why have the tokens arrived, but repayment still fails?

Check the selected network, token contract, and available balance. You may have bridged a different version of the token, or you may lack POL for gas. Also check whether interest changed the amount due while the transfer was in progress.

Do I need to bridge the collateral too?

Usually not to make a repayment: you need the accepted repayment token on the borrowing app’s network. Collateral is the asset securing your loan. Check the app’s position details before moving it, since withdrawing collateral can affect how much you owe safely.