diff --git a/src/lib/commands/coll.c b/src/lib/commands/coll.c
index 1081e22c..746c86d6 100644
--- a/src/lib/commands/coll.c
+++ b/src/lib/commands/coll.c
@@ -130,6 +130,7 @@ coll(void)
 
     putsect(&sect);
     nreport(player->cnum, N_SEIZE_SECT, loan.l_lonee, 1);
+    owed = loan_owed(&loan, time(&now));
     if (pay >= owed) {
 	loan.l_ldur = 0;
 	nreport(loan.l_lonee, N_REPAY_LOAN, player->cnum, 1);
diff --git a/src/lib/commands/fina.c b/src/lib/commands/fina.c
index c41af4f7..e34075ee 100644
--- a/src/lib/commands/fina.c
+++ b/src/lib/commands/fina.c
@@ -70,9 +70,9 @@ fina(void)
 	pr(" %-2d  (%3d) %-8.8s  (%3d) %-8.8s  ", ni.cur,
 	   loan.l_loner, cname(loan.l_loner),
 	   loan.l_lonee, cname(loan.l_lonee));
-	pr("%3d%%   %3d    %5ld    %7ld",
+	pr("%3d%%   %3d    %5ld    %7.0f",
 	   loan.l_irate, loan.l_ldur, loan.l_amtpaid,
-	   (long)loan_owed(&loan, now));
+	   ceil(loan_owed(&loan, now)));
 	if (now > loan.l_duedate)
 	    pr(" (in arrears)\n");
 	else
diff --git a/src/lib/commands/repa.c b/src/lib/commands/repa.c
index 69beec96..e19fb96b 100644
--- a/src/lib/commands/repa.c
+++ b/src/lib/commands/repa.c
@@ -48,9 +48,10 @@ repa(void)
     struct natstr *natp;
     struct natstr *loaner;
     int loan_num;
-    long payment;
-    long owe;
+    int payment;
+    long newdue;
     s_char *cp;
+    time_t now;
     s_char buf[1024];
 
     if (!opt_LOANS) {
@@ -69,7 +70,6 @@ repa(void)
 	pr("You don't owe anything on that loan.\n");
 	return RET_FAIL;
     }
-    owe = (long)loan_owed(&loan, time(NULL));
     if ((cp = getstarg(player->argp[2], "amount? ", buf)) == 0)
 	return RET_SYN;
     if (!check_loan_ok(&loan))
@@ -77,7 +77,9 @@ repa(void)
     payment = atoi(cp);
     if (payment <= 0)
 	return RET_SYN;
-    if (payment > owe) {
+
+    newdue = (long)ceil(loan_owed(&loan, time(&now)) - payment);
+    if (newdue < 0) {
 	pr("You don't owe that much.\n");
 	return RET_FAIL;
     }
@@ -89,9 +91,9 @@ repa(void)
     loaner = getnatp(loan.l_loner);
     loaner->nat_money += payment;
     putnat(loaner);
-    (void)time(&loan.l_lastpay);
-    if (owe <= payment) {
-	wu(0, loan.l_loner, "Country #%d paid off loan #%d with $%ld\n",
+    loan.l_lastpay = now;
+    if (newdue == 0) {
+	wu(0, loan.l_loner, "Country #%d paid off loan #%d with $%d\n",
 	   player->cnum, loan_num, payment);
 	nreport(player->cnum, N_REPAY_LOAN, loan.l_loner, 1);
 	loan.l_status = LS_FREE;
@@ -99,9 +101,9 @@ repa(void)
 	pr("Congratulations, you've paid off the loan!\n");
     } else {
 	wu(0, loan.l_loner,
-	   "Country #%d paid $%.2f on loan %d\n", player->cnum,
-	   (double)payment, loan_num);
-	loan.l_amtdue = owe - payment;
+	   "Country #%d paid $%d on loan %d\n",
+	   player->cnum, payment, loan_num);
+	loan.l_amtdue = newdue;
 	loan.l_amtpaid += payment;
     }
     if (!putloan(loan_num, &loan)) {
diff --git a/src/lib/commands/shark.c b/src/lib/commands/shark.c
index cad7976b..98bcaeff 100644
--- a/src/lib/commands/shark.c
+++ b/src/lib/commands/shark.c
@@ -86,7 +86,7 @@ shark(void)
     }
     pr("That loan is worth $%.2f.\n", owed);
     natp = getnatp(player->cnum);
-    payment = owed * (1.0 + loan.l_irate / 100.0);
+    payment = (long)ceil(owed * (1.0 + loan.l_irate / 100.0));
     if (payment > natp->nat_money - 100.0) {
 	pr("You do not have enough to cover that loan\n");
 	return RET_FAIL;