A friend borrowed 30,000 yuan from Chengdu CreditEase, which has been repaid for half a year, and intends to repay in advance, but Beijing Credit Company claims that the principal of the friend's loan is 46,000 yuan. According to the number of repayment periods, the interest on a multi-point credit loan is not high in CreditEase, and it will be almost the same after three years. These small loan companies are really like usury in disguise. If you need a loan, ask the bank directly, why not go to a microfinance company? At this time, it should be clear that there is an extra handling fee for prepayment.