diff --git a/src/test/app/LendingHelpers_test.cpp b/src/test/app/LendingHelpers_test.cpp
index baed15b868..ec2d4e99a2 100644
--- a/src/test/app/LendingHelpers_test.cpp
+++ b/src/test/app/LendingHelpers_test.cpp
@@ -620,10 +620,130 @@ class LendingHelpers_test : public beast::unit_test::suite
         }
     }
 
+    void
+    testTryOverpaymentValueChange()
+    {
+        // This test ensures that overpayment value change is computed
+        // correctly. I am sorry, this unit test will be a pain in the ass.
+        testcase("tryOverpay - Value Change is the decrease in interest");
+
+        using namespace jtx;
+        using namespace ripple::detail;
+
+        Env env{*this};
+        Account const issuer{"issuer"};
+        PrettyAsset const asset = issuer["USD"];
+
+        // Interest delta is 40 (100 - 50 - 10)
+        ExtendedPaymentComponents const overpaymentComponents = {
+            PaymentComponents{
+                .trackedValueDelta = Number{50, 0},
+                .trackedPrincipalDelta = Number{50, 0},
+                .trackedManagementFeeDelta = Number{0, 0},
+                .specialCase = PaymentSpecialCase::extra,
+            },
+            numZero,
+            numZero,
+        };
+
+        TenthBips16 managementFeeRate{20'000};  // 10%
+        TenthBips32 loanInterestRate{10'000};   // 20%
+        Number loanPrincipal{1'000};
+        std::uint32_t paymentInterval = 30 * 24 * 60 * 60;
+        std::uint32_t paymentsRemaining = 10;
+        std::int32_t loanScale = -5;
+        auto const periodicRate =
+            loanPeriodicRate(loanInterestRate, paymentInterval);
+
+        auto loanProperites = computeLoanProperties(
+            asset,
+            loanPrincipal,
+            loanInterestRate,
+            paymentInterval,
+            paymentsRemaining,
+            managementFeeRate,
+            loanScale);
+        std::cout << loanProperites.periodicPayment << std::endl;
+        std::cout << loanProperites.loanState.valueOutstanding << std::endl;
+        std::cout << loanProperites.loanState.interestOutstanding()
+                  << std::endl;
+
+        Number totalValueOutstanding =
+            loanProperites.loanState.valueOutstanding;
+        Number principalOutstanding =
+            loanProperites.loanState.principalOutstanding;
+        Number managementFeeOutstanding =
+            loanProperites.loanState.managementFeeDue;
+        Number periodicPayment = loanProperites.periodicPayment;
+
+        auto const ret = tryOverpayment(
+            asset,
+            loanScale,
+            overpaymentComponents,
+            totalValueOutstanding,
+            principalOutstanding,
+            managementFeeOutstanding,
+            periodicPayment,
+            paymentInterval,
+            periodicRate,
+            paymentsRemaining,
+            managementFeeRate,
+            env.journal);
+
+        BEAST_EXPECT(ret);
+
+        auto const& actualPaymentParts = *ret;
+
+        BEAST_EXPECTS(
+            actualPaymentParts.valueChange ==
+                ((totalValueOutstanding - principalOutstanding -
+                  managementFeeOutstanding)) -
+                    loanProperites.loanState.interestDue,
+            " valueChange mismatch: expected " +
+                to_string(
+                    (totalValueOutstanding - principalOutstanding -
+                     managementFeeOutstanding) -
+                    loanProperites.loanState.interestDue) +
+                ", got " + to_string(actualPaymentParts.valueChange));
+
+        BEAST_EXPECTS(
+            actualPaymentParts.feePaid ==
+                loanProperites.loanState.managementFeeDue -
+                    managementFeeOutstanding,
+            " feePaid mismatch: expected " +
+                to_string(
+                    loanProperites.loanState.managementFeeDue -
+                    managementFeeOutstanding) +
+                ", got " + to_string(actualPaymentParts.feePaid));
+
+        BEAST_EXPECTS(
+            actualPaymentParts.principalPaid ==
+                loanProperites.loanState.principalOutstanding -
+                    principalOutstanding,
+            " principalPaid mismatch: expected " +
+                to_string(
+                    loanProperites.loanState.principalOutstanding -
+                    principalOutstanding) +
+                ", got " + to_string(actualPaymentParts.principalPaid));
+
+        BEAST_EXPECTS(
+            actualPaymentParts.interestPaid ==
+                loanProperites.loanState.interestDue -
+                    (totalValueOutstanding - principalOutstanding -
+                     managementFeeOutstanding),
+            " interestPaid mismatch: expected " +
+                to_string(
+                    loanProperites.loanState.interestDue -
+                    (totalValueOutstanding - principalOutstanding -
+                     managementFeeOutstanding)) +
+                ", got " + to_string(actualPaymentParts.interestPaid));
+    }
+
 public:
     void
     run() override
     {
+        testTryOverpaymentValueChange();
         testComputeFullPaymentInterest();
         testLoanAccruedInterest();
         testLoanLatePaymentInterest();