> For the complete documentation index, see [llms.txt](https://docs.clearpool.finance/clearpool/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.clearpool.finance/clearpool/how-it-works/credit-vaults/for-borrowers/borrow-and-repay.md).

# Borrow & Repay

The Clearpool App puts you in control of your Credit Vault borrowing and repayments:

**1. Connect and Borrow:**

* Make sure you're connected to the Clearpool [App](https://clearpool.finance/open-term) with your verified wallet. This ensures a secure and streamlined experience.
* Once connected, your wallet will automatically receive liquidity routed directly from lenders.

**2. Easy Repayments:**

* When it's time to repay withdrawal requests, head to your dedicated pool page within the app.
* Here, you can clearly see the amount you need to repay. Simply approve the repayment sum.
* Finally, confirm the transaction in your wallet to complete the repayment.

The borrowed asset will automatically return to the smart contract upon successful confirmation.

{% hint style="info" %}
Borrowing and repaying liquidity will not affect the utilisation, nor interest rates. Interest starts accruing as soon as a lender supplies liquidity, hence, always assuming 100% utilisation.
{% endhint %}