there seems to be a question there ^^^ and a question forum down there VVV ....i believe when the 2 of these are in perfect allignment then an answer is born.
The new system sucks so this answer will also suck.
Here it is though: borrow, pay it back right away sometimes the amount you can borrow increases right after paying if it does borrow it again and pay it again. Seems to me it is not necessary to wait any amount of time you can pay it off right away sometimes it will increase after payment other times you have to wait for the day to reset.