Verbseoul.
regular
갚다gapdato repay, to return (something loaned)

To say to repay, to return (something loaned) politely in the present tense, use 갚아요 (gah-pah-yoh). Below is the full conjugation of 갚다 across the three tenses and three everyday speech levels.

Conjugation table

TenseCasual (반말)Polite (요)Formal (합니다)
Present
갚아
gah-pah
갚아요
gah-pah-yoh
갚습니다
gahp-sseum-nee-dah
Past
갚았어
gah-pah-ssuh
갚았어요
gah-pah-ssuh-yoh
갚았습니다
gah-pah-sseum-nee-dah
Future
갚을 거야
gah-peul- -guh-yah
갚을 거예요
gah-peul- -guh-yae-yoh
갚을 겁니다
gah-peul- -guhm-nee-dah

Other useful forms

Command Polite (세요)
갚으세요
gah-peu-sae-yoh
Suggestion / Let's Polite (요)
갚아요
gah-pah-yoh
Question Polite (요)
갚아요?
gah-pah-yoh-?
Connective “and” — (고)
갚고
gahp-goh
Conditional “if” — (면)
갚으면
gah-peu-myuhn
Noun form — (기)
갚음
gah-peum