Pay on time and set up automatic repayments: Avoid overdue payments due to forgetting to pay. Even if it is the minimum payment: If funds are tight, at least pay the minimum amount to avoid overdue records. If you are overdue, pay it off as soon as possible and contact the bank to explain the situation. Some institutions can cancel the record.

Of course. Paying off your entire loan in one lump sum offers many benefits:

1. It directly improves your credit score. A perfect repayment record: Full repayments will be recorded as "on-time and in-full repayments," reinforcing your positive credit history.

2. It reduces the risk of overdue payments. Even if you pay the minimum balance, if you later forget to pay the remaining balance, your credit score could still be affected by partial overdue payments. Paying off your loan in full completely eliminates these issues.

The loan term and amount vary depending on factors such as the loan type and borrower's qualifications. They are also adjusted based on your credit score. The higher your credit score, the higher the loan amount and the longer the repayment period.

Factors influencing the loan term and amount include: personal credit status (higher limits and longer terms are available for those with good credit), income level, and the purpose of the loan.

Our credit branch is adjusted according to your loan record. The more times you lend, the better your refund record, the higher your credit score.

After the audit approval, your money will be issued to your account as soon as three minutes, and no later than one afternoon at most.

Yes, we serve you 24 hours a day, 100% paperless online, you can apply for your loan at any time.