1. Repayment date: the day before the online merchant loan signing date is the lender's next repayment date. For example, the repayment date of loan 1 is 28th of the current month, and the repayment date of loan 30 is 29th of the following month.

2. Loan interest: According to the query about online business loans in the Civil Code, the loan on the first day of each month is the day with the least interest.