Early repayment is an active application by the user and requires the approval of the loan company. It is not mandatory for the loan company to ask for repayment. If you don't want to pay in advance, you can cancel the repayment.

Because prepayment will make the loan company lose some interest, so the loan company doesn't want you to prepay. Repayment on time is the most desirable result of the loan company. You don't have to worry that users can't afford it, and you can still earn interest.