Exclusive loan is a high-end customized large cash loan product for Baidu users, which is unsecured, pure credit, high quota and low interest rate. Iman Loan is a cash loan service provided by Baidu Finance. After the application and loan are successful, it can directly lend your bank card to meet your daily consumption. When you submit the loan operation, the money will be directly allocated to your receiving bank card and cannot be cancelled; If you don't need the money for the time being, you can pay off the loan in advance the next day, and you only need to pay the interest for one day. Operation process: Baidu wallet APP→ spend money → short-term loan → "all to be repaid" → bills that need to be repaid in advance → "prepayment" → pay off all, and you can operate prepayment. If there is still outstanding principal, the overpaid part will be deducted from the principal of each installment (not all of it will be deducted from the next installment). If the debit note has been settled, the bank card will be returned in the original way, and the automatic refund time is generally about 3-5 working days. If you have any questions, you can also contact customer service at 95055.