1. Worry-Free Smart Loan is commonly known as "half loan and half payment", with 50% repayment at the end of the loan period. At the end of the loan period, there are two options: pay off the balance in full and replace the used car.

2. Smart loan divides the loan into two parts, which are returned in the first and last phases respectively. At the end of the loan period, there are two options: pay off the wisdom balance in full and replace the used car.