Increasing your monthly auto-payment will save you interest and help pay off your loan faster. First, sign in to your Earnest account. If you use autopay, select 'Change Autopay Amount' under 'Payment Options' on your Loan Details page. Non-autopay clients may set their payment to any amount greater than or equal to the minimum due at any time. There are never any penalties or fees associated with paying more than the minimum amount due.