Translation guide
The English phrase "pay off" has several distinct meanings. This guide covers the most common uses for learners: completing payment of a debt, yielding a successful result, and bribing someone. Each meaning requires different Japanese expressions.
To finish paying money that is owed, such as a loan, mortgage, or bill.
Formal verb meaning to pay off a debt completely. Commonly used for loans and mortgages.
住宅ローンを完済した。
I paid off my mortgage.
A compound verb meaning to finish paying back. More colloquial than 完済する.
借金を全部返し終えた。
I paid off all my debts.
Means to finish paying. Can be used for various payments, not just debts.
今月の請求書を全部払い終えた。
I paid off all this month's bills.
Means to repay or pay back. Often used in financial contexts, but does not inherently imply completion. Use with 全部 or 完全に to emphasize paying off.
ローンを完全に返済した。
I completely paid off the loan.
When effort, risk, or investment leads to a good outcome.
Intransitive verb meaning efforts are rewarded or pay off. Emphasizes emotional or moral reward.
努力が報われた。
My hard work paid off.
Idiom meaning to bear fruit, i.e., efforts produce results. Slightly literary.
General phrase meaning to go well or succeed. Can be used when a plan or risk pays off.
その賭けはうまくいった。
That gamble paid off.
Means to produce results. Often used in business or project contexts.
新しい戦略で成果が出た。
The new strategy paid off.
To give money or favors to someone, often illegally, to gain an advantage.
Means to buy off or bribe. Commonly used for corrupting officials or witnesses.
彼は役人を買収した。
He paid off the official.
Literally 'to hand over a bribe'. A direct way to describe the act of bribing.
警察に賄賂を渡して逃れた。
He paid off the police and got away.
Idiomatic expression for bribing, literally 'use under the sleeve'. Slightly dated but still understood.
袖の下を使って許可を得た。
He paid off someone to get the permit.
The verb 払う (harau) means 'to pay' money, not 'to pay off' in the sense of yielding results. Using it for success would be a literal translation error.
長年の研究が実を結んだ。
Years of research paid off.