Interest Rates

Our interest rates are determined based on a combination of factors including your credit score, loan amount, and loan term. The higher your credit score, the larger the loan amount, and the longer the term, the lower your interest rate will be. We will provide you with the most suitable interest rate plan based on your specific situation.

Yes, we support early repayment with no penalty fees. You can choose to make partial early repayments or full early repayments based on your actual situation to reduce interest burden.

Late repayment will incur a late payment fee at a daily rate of 0.05%. Additionally, late payment records will be reported to the central bank credit system, affecting your personal credit record. We recommend repaying on time. If you encounter special circumstances that prevent timely repayment, please contact our customer service in advance, and we will do our best to provide you with solutions.

Ways to improve your credit score include: repaying on time and avoiding late payments; using credit cards reasonably and not frequently applying for new credit cards or loans; maintaining stable employment and residence; regularly checking your personal credit report to identify and correct errors promptly. We also offer credit improvement programs for customers with lower credit scores to help you gradually improve your credit score.