I just got my full house so I owe 38,900 bells. (I know you have to pay the original down payment at once.) I keep trying to pay off a little bit and it isn't reacting. I accidentally paid off 900 bells and I just lost them. The owed amount stayed the same.
I saved and quit and went back in immediately. Same thing.
I also saved and quit the game completely and restarted and still the same thing.
It might just be a visual issue. My loan is getting paid off but I just can't see any progress but I don't want to risk my measly 12,000 bells to test it and I also don't have enough to try paying it off all at once at the moment to see if it will work at all.
Does anybody know how to fix this if it is a bug or if I am just supposed to pay off every loan in full every time and they just don't tell you?
It turns out the original loan amount is 39,800 bells. So my 900 bells did go through. What I was expecting was the "Pay Loan" screen to function like the deposit and withdraw screen.
The Deposit menu updates your Held Bells value to reflect the amount of bells you will have left if you make the deposit and your Account bells to the amount that will be in your bank if you make that deposit. The Withdraw screen does the same in the opposite direction of course.
The repay loan menu does not do this (at least for me, which may be a bug in itself but a much less worrying one). As you can see in the linked pictures. When I put in 400 bells My held bells and bells owed stay the same as when I put in 4000 bells.
So coupled with that and me not noticing the switch between the 8 and 9 I thought I couldn't pay off my loan.