1, discount. Lilac IOU is issued by Harbin Bank, and the loan is interest-free in the third phase and 0.8% in the sixth phase. There is no discount for cash installment.

2. speed Lilac IOUs are very fast, and you can receive the information when you submit it. However, the cash installment loan is slow, and it takes two hours after submitting the information. Clove IOUs are appropriate.