1. First of all, overdue under the free repayment method: the borrower needs to explain the situation to the bank and inquire about the repayment amount in the next stage, and pay off the arrears in time in the next stage.

2. Secondly, the repayment of average capital or equal principal and interest is overdue: the borrower needs to deposit the funds that need to be repaid and the fines that are overdue into the corresponding bank account, and the bank will deduct them uniformly.

3. Finally, with the original ID card, go through the relevant formalities at the counter of the loan business department to carry out the money exchange process.