MinPay is an automatic payment feature for your Thrive account. It schedules payments on your detected pay dates so your minimum payment is covered before the due date — helping you stay current and build positive payment history.

#### **How MinPay works**

Minimum payments are due on the 21st of each month, starting the month after your draw. MinPay automatically schedules a payment on the pay date closest to — and before — that due date.

MinPay only debits your account if no other payment covering your minimum has already been scheduled or made before the MinPay date.

If you make a partial payment before the MinPay date, we'll only debit the remaining amount owed.

You can view all upcoming and scheduled payments in your app at any time.

**Turning off MinPay**

If MinPay doesn't work for you, you can turn it off in the app:

1. On the Home page, tap on the Thrive section
2. Tap **"More"** and then **"MinPay"**
3. Select **"Turn off MinPay"**