repays

Repays is the third-person singular present tense of the verb repay. It denotes the act of giving back money or value to a lender, creditor, or benefactor, and can refer to returning funds after borrowing, compensating for losses, or reimbursing costs. The term also appears in figurative uses, such as repaying a debt of gratitude by helping someone who helped you.

In finance, repayment describes fulfilling the obligations of a loan or credit arrangement. Borrowers typically make regular repayments that reduce the outstanding principal and may cover interest. The repayment schedule specifies amounts, due dates, and terms such as fixed or variable rates. Some agreements allow early repayment or prepayment, sometimes with penalties or discounts. Proper repayment history affects creditworthiness and eligibility for future borrowing.

Grammatical notes: repay is the base form; repaid is the past and past participle; repaying is the present participle. The noun is repayment, and related adjectives include repayable, meaning able to be repaid.

Etymology: the word derives from re- meaning back, combined with pay, reflecting the notion of returning funds or benefits. The form repays developed as a standard inflection in English to indicate third-person singular present usage.

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