After you handle Gitzo's installment business, you can apply for early repayment as long as your capital turns. According to your calculation, the monthly fee is about 80 yuan. If you apply for a four-month lump sum payment, the fee will be more than 300 cents. If you feel that the charge is not cost-effective, you can call Gitzo customer service to apply for a one-time repayment within 15 days from the date you handle it, and only charge the principal of your mobile phone, without any additional charges.