No.

Changan’s interest-free loan does not have pre-interest but does charge a handling fee. If you are charged pre-interest, it is recommended to find another store.

An interest-free (interest-free) loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must be returned. The interest rate is free of charge under agreed conditions or by the bank, or The government or corresponding institutions will foot the bill.