E-lease loan is a loan product launched by China Merchants Bank, which is a formal commercial bank and has been connected to the central bank's credit information system, so E-lease loan is on credit information. It should be noted that it takes about one and a half months to report to the central bank for credit information after handling e-loan, so even if the borrower has repaid, the credit information report may still show that the borrower has outstanding debts, which will have a certain impact on the borrower's recent handling of other credit businesses.

The repayment methods of China Merchants Bank's e-loan are divided into automatic repayment and active repayment: automatic repayment is to set the automatic repayment function of "e-loan" account through mobile banking and online banking, log in to the credit card interface, and select "Credit card, repayment management and automatic repayment settings" to make active repayment. After logging in, select the operation of "My, All, Credit Card, Cash Loan, E Loan and Immediate Repayment".