Can be phased, all loans on the pleasant loan platform can be repaid in installments, and there is no need to worry about repayment pressure. You only need to pay the handling fee and interest. Pleasant loan adopts "equal principal and interest repayment method", and the borrower repays the loan principal and interest in equal amount every month. While charging interest, the platform will also charge the so-called "service fee", including the upfront service fee deducted once before lending and the installment service fee that needs to be paid monthly when repaying. Users with good credit qualifications can enjoy relatively low service rates and be exempted from installment service fees.

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Pleasant loan has installment repayment business. Generally speaking, installment business is the fist product of pleasant loans, and there are many financial installment products. Simply put, what is the installment repayment business? Generally speaking, the total monthly repayment includes principal, interest and service fee. The characteristic of matching principal and interest repayment method is that with the passage of time, the total monthly repayment amount remains unchanged, but the principal and interest ratio changes, that is, the interest ratio decreases and the principal ratio increases. Of course, the repayment of pleasant loan also includes installment service fee and one-time service fee, which will be explained later. In fact, the interest rate of installment loan is not simply to divide the total repayment amount by the principal and then subtract one. Generally, the actual loan interest rate is calculated according to the discounted value and principal of each repayment.

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