Pre-authorized Debit

A plain-language explanation of pre-authorized debit in app-based borrowing.

Definition: A payment arrangement that permits a company to withdraw agreed amounts from a bank account on scheduled dates.

Why it matters

Before agreeing, confirm the amount, timing, cancellation process and what may happen if the account has insufficient funds.

Example

A provider should present this information clearly enough that you can understand the payment obligation before accepting an agreement.

Related terms

APR · Principal · Origination fee