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If you cannot repay a KOHO Cover advance, do not assume you need to schedule a separate payment. KOHO says money added to your account is applied to the Cover balance first, and only the remainder goes to Spendable. Check your balance and dates in the app, contact KOHO support promptly, and plan essential spending around that priority. Keep the advance itself separate from the monthly Cover subscription fee: the two have different collection rules and consequences.
What happens when you cannot repay Cover
Cover repayment is automatic. KOHO’s Help Centre says, “Whenever you add money to your KOHO account, your Cover balance is replenished first.” In practice, a future deposit or transfer can be diverted to the outstanding advance before you can use the money in Spendable. KOHO lists direct deposits, e-Transfers, debit-card loads, and transfers from Goals or RoundUps into Spendable as examples of money that can trigger replenishment.
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There is no separate bill-payment instruction for the advance in the published guidance. The important action is to find out exactly what your account shows now, how much remains outstanding, and when your next money is likely to arrive. Then ask KOHO support through the app about your account-specific situation. Public information does not establish a guaranteed extension, hardship plan, fee waiver, payment arrangement, or way to pause automatic collection, so do not rely on any of those options unless KOHO confirms one for you.
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Think of Cover as having priority over Spendable whenever new money enters the KOHO account. If the amount added is smaller than the outstanding advance, the available balance is reduced by the amount applied to Cover. If it is larger, KOHO applies enough to replenish Cover and leaves the remainder in Spendable.
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| Money added to the account | KOHO’s stated treatment | Planning implication |
|---|---|---|
| Direct deposit | Cover is replenished first. | Your expected pay may not be fully available for rent, food, bills, or withdrawals. |
| Interac e-Transfer | Funds added to KOHO are subject to the same priority. | Do not send only the amount needed for an immediate purchase without checking the remaining Cover balance. |
| Debit-card load | The loaded money can be used to replenish Cover first. | A reload may not increase Spendable by the amount you expect. |
| Transfer from Goals or RoundUps into Spendable | KOHO includes these transfers among examples of money that can replenish Cover. | Moving money internally may still reduce the amount available for current spending. |
The exact result depends on your balance and the amount of the incoming transaction. Check the app after a deposit posts rather than assuming the full deposit is available.
First steps when repayment is difficult
- Open KOHO and record the figures. Note the outstanding Cover advance, any monthly subscription fee due, the current Spendable balance, and the next billing or payment date shown for your account. Screens can change, so save a statement or screenshot for your records.
- Separate the two obligations. Decide whether your problem is the borrowed advance, the monthly Cover fee, or both. The missed-fee timeline does not create a general grace period for an unpaid advance.
- Contact support in the app. Ask what your account currently shows, how the next deposit will be allocated, whether Cover is active or paused, and which payment date applies. Ask whether any account-specific option exists, but treat it as unavailable until KOHO confirms it in writing or in the support conversation.
- Protect essential spending. List housing, utilities, food, medication, transportation, and other payments due before the next expected deposit. Assume Cover will be paid first when building that list.
- Review every incoming-money route. A direct deposit, e-Transfer, card load, or transfer from Goals or RoundUps can affect the advance. Knowing what will arrive and when helps you avoid an unexpected shortfall.
- Keep records. Save support responses, dates, amounts, and transaction descriptions. If the account balance later looks wrong, those records make an investigation easier.
Do not confuse an unpaid advance with a missed Cover fee
KOHO publishes a separate timeline for the monthly Cover subscription fee. That timeline concerns the fee for maintaining the subscription, not a promise that an outstanding cash advance can remain unpaid for the same period.
If the advance itself remains unpaid
KOHO says the balance is replenished when money is added to the account. Its help information says an unpaid Cover balance lasting three months or longer may be reported to Equifax. The legal terms also reserve KOHO’s ability to report information to credit bureaus in connection with Cover and state that failure to repay makes a user ineligible for future Cover access.
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“May be reported” is important. The published wording does not let you predict that reporting will definitely occur, that it will not occur, or how a credit score would change. It also does not establish a specific collection-agency referral date. Ask KOHO what applies to your account rather than treating three months as a guaranteed deadline or grace period.
If the monthly subscription fee is missed
KOHO says it makes one scheduled attempt on the billing date. If that attempt fails, it tries to collect the overdue fee during the next three days when funds are loaded. If no funds arrive, Cover pauses and a 30-day grace period applies. If the fee is still unpaid within 30 days, KOHO says the account becomes overdue on the full remaining Cover loan, which it will collect the next time funds are added, and the subscription is cancelled.
KOHO also says there are no late fees or penalties for a missed subscription fee. The published example treats the initial three-day collection attempts as part of the 30-day period; do not read the policy as three days followed by 30 additional days.
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| Issue | Published timeline or consequence | What is not established |
|---|---|---|
| Unpaid Cover advance | Incoming money replenishes Cover first. An unpaid balance lasting three months or longer may be reported to Equifax; failure to repay can make you ineligible for future Cover. | No guaranteed grace period, reporting certainty, score impact, or collection-agency timing. |
| Missed monthly Cover fee | One attempt on the billing date, attempts over the next three days when funds are loaded, then a 30-day grace period. After 30 days, the remaining loan becomes overdue, is collected when funds are next added, and the subscription is cancelled. | No promise that this fee timeline applies to the advance balance. |
How to plan around a deposit that may be diverted
Before your next paycheque or transfer arrives, calculate the amount you can actually use. Start with the expected incoming amount, subtract the current Cover balance that KOHO may replenish, and then list essential payments due before another source of money arrives. This is a planning estimate, not a promise about posting times or account treatment.
- Move bill due dates only with the biller’s permission; do not assume a payment will be delayed automatically.
- Keep enough money outside KOHO, where lawful and practical, for necessities that cannot wait if your next deposit is applied to Cover.
- Do not add funds solely to test the system if doing so would leave you unable to pay for essentials.
- Check whether an employer, government agency, or sender can change the destination of a future payment, but confirm any change before relying on it.
- After each deposit, verify the Cover reduction and Spendable remainder in the transaction history.
These steps do not stop automatic repayment. They reduce the risk of treating a gross deposit as fully spendable.
Should you cancel Cover?
Cancellation does not erase an outstanding advance. KOHO’s help article says that if you cancel Cover, any outstanding advance will be collected when the current 30-day subscription period ends. The legal terms say an outstanding advance becomes due on the next Payment Due Date. Because those descriptions use different labels for the timing, check the date shown in your app and the current agreement for your account before cancelling.
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Cancellation can therefore change when the balance is due without removing the balance. Ask support to identify the relevant end-of-period or Payment Due Date, confirm how your next incoming funds will be treated, and save the answer. Do not cancel on the assumption that it will prevent collection.
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.What Cover’s cost language means
KOHO’s legal disclosure describes Cover as a cash advance with 0% interest, while the Cover subscription bundle has a fee. A 0% interest description does not mean that an unpaid balance has no practical consequences. Incoming funds can still be applied before Spendable, future Cover access can be lost, a monthly fee can become overdue, the subscription can be cancelled, and an unpaid balance may be reported to Equifax after three months or longer.
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Review the fee and advance information shown for your specific plan. The operational rules and legal terms can change, so use the current in-app information and agreement when dates or wording conflict with an older help article.
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Questions to ask KOHO support
A concise message helps support answer the account-specific issue rather than giving a generic explanation. Include the last four digits or other identifier requested by KOHO, but do not post full account numbers or security codes in an unsecured channel.
- What is my current Cover advance balance, and is any monthly fee also overdue?
- What date will my next incoming deposit or transfer be applied, and how much is expected to remain in Spendable?
- Is my Cover subscription active, paused, or scheduled for cancellation?
- Which date applies if I cancel: the end of the current 30-day subscription period or the next Payment Due Date?
- Does KOHO offer any account-specific arrangement or alternative for my situation? If so, what are the terms and how will they affect automatic replenishment?
- Has any credit-bureau reporting been made or scheduled on this account?
Do not assume silence means approval. If support does not confirm an arrangement, plan on the published automatic-repayment rules continuing.
When the problem is bigger than one Cover advance
If repaying this small advance would cause you to miss rent, utilities, food, medication, or another essential obligation, treat that as a broader cash-flow problem. Contact the affected biller before the due date and ask about its documented payment options. A reputable Canadian nonprofit credit counsellor can explain general budgeting and debt-management choices without being connected to KOHO. Ask about fees, confidentiality, and whether advice affects your credit before sharing sensitive information.
A counsellor cannot change KOHO’s account rules. The immediate priorities remain confirming the balance, understanding which money will be applied to Cover, and protecting necessities. Avoid taking another high-cost advance simply to replace funds diverted to the first one; compare the total cost and repayment risk before accepting any new borrowing.
What the published information does not answer
KOHO’s public materials do not establish a universal hardship program, a guaranteed payment plan, a right to defer an advance, a way to block automatic replenishment, the precise timing of collection-agency referral, or the exact treatment of every account after a missed payment. Account status, plan terms, transaction timing, and later policy updates can change the answer.
For that reason, use the app and current agreement for your dates, and ask KOHO support for facts specific to your account. The safest assumption while waiting for an answer is that new money will replenish Cover first and that cancelling will not remove what you owe.
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