Baidu supports prepayment. In addition to the loan date, users can initiate early repayment or partial early repayment at any time, and the interest is calculated according to the actual loan days (from the loan issuance date to the actual repayment date). When repaying in advance, the system will automatically calculate the interest on the day of your loan, that is, according to the actual loan days. In case of partial repayment, the principal will be deducted from the overpaid part, and then the interest will be calculated according to the remaining principal. There is no prepayment fee for prepayment.

Second, what should students do if they can't afford the loan of Baidu wallet?

I might suggest returning it.

I hope it can help. Please accept it. Thank you.

Third, what should students do if they can't afford the loan of Baidu wallet?

Students are not allowed to borrow money when they have money. If it is overdue, it will impose a penalty interest, which will affect their credit information and later loans. The money spent is a credit product. You can apply independently through the official spending app. After opening the Qianhua app, you can view the quota.

Click "I want a loan", fill in the personal data and confirm. After the system is approved successfully, the quota can be obtained. If you want to apply for money, you need to meet the requirements of age and information. 1. The age conforms to 18-55 years old, among which college students are not allowed to apply. 2. I need to provide my second-generation ID card and debit card during the application process. ID cards cannot use temporary id card, expired ID cards or first-generation ID cards. At the same time, the debit card will also become your loan bank card.

Youhuahua (formerly Baidu Youhuahua) is a credit service brand under Du Xiaoman Finance (formerly Baidu Finance). Youhuahua has a maximum loan amount of 200,000 yuan and a minimum daily interest rate of 1.2 million yuan. Click to enter the official measurement of Youhuahua.

The money flower inherits the technical advantages of Baidu Finance, and through multiple technical means such as AI intelligence, it comprehensively improves the speed of reviewing and lending, with the fastest approval in 30 seconds and the fastest lending in 3 minutes to meet the needs of users who urgently need money. The main product is easy to borrow, with the lowest daily interest rate of 0.02%, 1, 000 yuan, and the lowest daily interest rate of 2 yuan. The interest rate is transparent and users can use it with confidence. In addition, there is no pre-loan fee for the money spent, and there are no operations such as manual application and manual withdrawal. The money spent is systematically evaluated, and manual intervention is impossible, so if you have any questions, remember to contact the official customer service (95055) and don't trust the private customer service. Be careful.

This answer is provided by Kangbo Finance, focusing on the interpretation of financial hot events, the popularization of financial knowledge, the pursuit of professionalism and interest, so that the financial content that the people can understand can convey financial value in vivid and diverse ways. I hope this answer is helpful to you.

4. What should students do if they can't afford the loan of Baidu wallet?

Since the loan has to be repaid, it will be repaid in the end anyway.