The antonym for "re-pays" is "defaults". When someone "defaults" on a payment, they fail to pay back what is owed. This is the opposite of "re-pays", which means to pay back something that was borrowed. "Defaults" can have negative consequences, including damage to credit scores and potential legal action, while "re-pays" can improve financial relationships and creditworthiness. Other antonyms for "re-pays" might include "ignores", "evades", or "avoids" paying back what is owed, all of which can have negative consequences and damage relationships with creditors or lenders.