Flexible installment
repayment
Designed and launched the early repayment feature for installment plans, transforming a legally complex financial model into a simple, transparent user experience.
Context
Customers actively used installment plans, but the existing interface provided limited control over early repayments. The goal was to create a clear tool that would give customers more control over their payments and make the impact of early repayment easy to understand.
Goal
Create a clear early repayment tool that allows customers to:
make payments from the minimum amount to full repayment;
see which payments will be covered and how the future schedule will change;
understand how much interest they can save through early repayment;
manage multiple installment plans with different schedules through a single flow.
For the business, the feature was intended to accelerate the return of funds and improve liquidity, enabling more new installment plans to be issued.
About the Product
The product provides customers with a revolving credit limit that can be used to open and repay multiple installment plans.
Customers can have multiple installment plans, each with its own schedule and payment dates. All outstanding payments are combined into a single schedule and charged from the customer’s card.
Even after the grace period ends, customers can repay their balance early and save on interest. However, an installment plan must be paid off in full to qualify for early repayment.
Challenges
The main challenge was making complex repayment logic understandable and predictable.
When a customer makes an early payment, the system first covers payments due within the next 30 days. Any remaining amount is distributed across future payments.
The interface needed to clearly communicate the impact of each payment: which installment plans would be closed, how the future schedule would change, and how much interest the customer could save.
The solution also had to be aligned with legal, finance, and product requirements.
My Role
Benchmarked early repayment flows across fintech and lending products.
Mapped the end-to-end repayment flow.
Designed key edge cases, including partial repayment, full repayment, and multiple installment plans.
Created prototypes and visual explanations of complex repayment logic.
Used progressive disclosure and dynamic payment breakdowns to make the flow more transparent.
Prepared and presented the design rationale to cross-functional stakeholders.
Worked with legal, finance, and product teams to validate the solution.
Solution
To reduce cognitive load, I used progressive disclosure: customers first see the key payment information and can then explore the details of how their payment will be allocated.
A dynamic payment breakdown shows how the selected amount will be distributed across installments and how the future payment schedule will change.
This allows customers to understand the consequences of their payment before confirming it, without having to work through the underlying repayment logic themselves.
Your payment covers
the nearest due payment
We also designed key edge cases. For example, if a user has an overdue balance, it must be paid first. At the same time, we preserved the option to pay less than the overdue amount — for example, when a user wants to split the payment across multiple cards.
To keep the user in context when selecting a card, we moved this step to a separate bottom sheet. The entered amount and current balance remain visible throughout the process.
Additionally states
We gave users the ability to enter a payment amount either by typing manually or by tapping tiles on the payment schedule. Since you can't pay a later payment without first covering earlier ones, tapping any tile automatically fills in all preceding payments as well.
If the user enters an amount that fully pays off one of the installment plans, the interest savings are displayed.
Result
We delivered a service that users love and the marketplace values:
Users can see their schedule and understand how any payment amount affects their debt
Early repayments increased, and with them — the marketplace's turnover and liquidity
The product became more transparent, and the customer experience became easier and more intuitive