The loan term of 1 is one month, and that of 48 is 48 months or 4 years.

Users must repay the loan on time after handling it, and there can be no overdue repayment. If it is overdue, penalty interest will be charged. The longer the time, the more penalty interest will be charged, and the greater the burden of repayment in the later period. If loans overdue, it will affect personal credit. If the arrears are not paid, then this record will always be in the credit report. After the arrears are returned, the overdue record will be kept in the credit information for 5 years, and will automatically disappear after 5 years.