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A special category, Transfer, is for loan payments and transfers excluded from Spending and Budgets.
*Please note: All loan payments have two transactions: the negative transaction of money leaving your bank account, and the positive transaction of money being paid toward a debt, decreasing the amount you owe. The negative transaction should be categorized as an expense, so your budget will reflect your spending in that area. The positive transaction should be categorized as a transfer, so it does not void the expense of the loan payment. Credit card payments are different from auto loan payments, since there is no property associated. Credit card payments are for money borrowed, on a transaction already accounted for in your budget. If you actively use your credit card, those payments should be categorized as Transfer: Credit Card Payment.