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# Topping up your loan

Topping up your loan is when you want to increase your borrowing, but still have an **outstanding balance**. 

_For example, you may have borrowed £500, repaid £300 of that so you have £200 outstanding. Topping up is when you apply to bring your loan back up to £500 (or more)._

You can top up a loan **only **after you’ve made **six months payments on your current borrowing. **

_For example, if you pay £50 per month back off a £500 Opportunity loan you must have repaid £300 (£50 x 6 months).  _

An application can be submitted up to **20 days before you are due to top up.** Any application made before that period will be automatically decline and not considered. 

_For example, if you will have made 6 months’ repayments by 20 November, you can apply on 1 November. You cannot apply on 31 October. _