> ## Documentation Index
> Fetch the complete documentation index at: https://xoxno.com/docs/llms.txt
> Use this file to discover all available pages before exploring further.

# Withdraw and repay on Stellar Lending

> Withdraw collateral and repay debt on XOXNO Stellar Lending at xoxno.com/defi/lending.

Withdraw collateral when your position stays healthy, or repay debt to reduce interest and improve your [health factor](/stellar-lending/health-factor). Both actions are available on [XOXNO lending](https://xoxno.com/defi/lending).

## Withdraw collateral

You can withdraw only if your position remains solvent after the withdrawal. The protocol checks your [health factor](/stellar-lending/health-factor) and borrowing limit.

1. Open your position on [XOXNO lending](https://xoxno.com/defi/lending).
2. Choose the asset to withdraw and enter an amount.
3. Review the projected health factor. Confirm in your wallet.

If you still have debt, a withdrawal that would push your health factor below 1 is rejected. Repay debt first or withdraw a smaller amount.

### Withdraw your full balance

To remove an entire collateral balance for one asset, select the full withdrawal option on the lending app. The protocol withdraws your complete post-interest balance for that asset.

If you withdraw all collateral and have no remaining debt, your lending account closes. Supply again later to open a fresh account.

## Repay debt

Repaying reduces what you owe and improves your health factor. Interest stops accruing on the repaid portion.

1. Open **Repay** for the debt asset you want to pay down.
2. Enter an amount from your wallet.
3. Confirm the transaction.

Borrowed funds do not auto-repay. You must send the debt token from your wallet.

### Anyone can repay your loan

Repayment does not require you to be the account owner. A friend, bot, or integrator can repay your debt on your behalf. Overpayment is refunded to whoever sent the repayment.

This is useful if you want help de-risking a position or if an app repays debt as part of a strategy.

## When to withdraw vs repay

| Goal                                     | Action                                       |
| ---------------------------------------- | -------------------------------------------- |
| Free up collateral while staying healthy | Withdraw within your limits                  |
| Lower liquidation risk                   | Repay debt or add more collateral            |
| Close your position entirely             | Repay all debt, then withdraw all collateral |

<Tip>
  **For developers:** Entrypoints, the full-position sentinel, and permissionless repay details are in the [withdraw and repay developer guide](/stellar-lending/dev/withdraw-and-repay).
</Tip>