Since Pay Monthly approval happens before you make an in-store purchase, your approved Pay Monthly amount may be different than the amount you actually spend. Your loan ultimately will only ever be what you spend. For example, if you were approved for $500, but only spent $300 on your transaction using the Pay Monthly loan’s single-use virtual card, you will only make repayments on the $300 loan amount you spent. Your loan transaction will be complete, and you will not have an additional $200 to use on another purchase. To make another in-store transaction with Pay Monthly, apply for another Pay Monthly loan, be approved, and receive a new single-use virtual card.