Lorica moves money in two directions. It pulls your contribution in from your linked bank, and it sends payments out to your creditors. Both run automatically on your plan's schedule.

On your contribution schedule, Lorica pulls your chosen amount from your linked bank into your clearing account by ACH. ACH transfers take a couple of business days to settle, so Lorica times the pull to have your money ready before your creditor due dates.

Once your contribution is in your clearing account, Lorica sends payments to your creditors in your plan's order — highest-interest first for avalanche, smallest balance first for snowball. Every debt gets at least its minimum; your extra goes to the target debt.

Lorica watches your due dates and works backward, so payments arrive on time. You can see each pull and payment in the app, with its status and date.

Sometimes a transfer comes back — most often when the timing is off with your account balance. When that happens, Lorica pauses and lets you know, and we'll walk you through the options. (See "Why a transfer didn't go through.")