Yes. The order is yours to set, and Lorica follows it.
Three ways to order your debts
Avalanche — highest interest rate first. This costs you the least in interest overall.
Snowball — smallest balance first. Individual debts clear sooner, which some people find easier to stay with.
Your own order — put your debts in whatever sequence you want. Lorica uses it exactly as you set it.
What the order controls
Reordering doesn't change your minimums. It changes where your extra payment goes.
Whichever debt sits at the top of your list is the one your extra contribution goes to, so that's the balance that comes down fastest.
Changing your mind
Reorder anytime from the app. Anything already scheduled for the current cycle finishes as planned, and your new order takes effect from the next payment. (See "Changing your plan.")
Lorica won't override you
If you put a low-rate card at the top, Lorica pays that one first. You'll see what your choice means for your estimated payoff date, but the decision stays yours.
Lorica is a payment automation tool, not a financial advisor. This article is for information only.