First, you have to write an application. The application first briefly describes your own situation and some specific situations of borrowing money from this small loan platform, and then explains that your family is still relatively poor and really has no money to pay back. Now, at least you have raised some money and can pay back the principal. I hope you can apply for interest relief from the platform. If you agree, then we can repay the principal immediately, and the interest will not be needed after signing the agreement.
Repayment by installments refers to the act of repayment in several times, that is to say, repayment in several months. Repayment by installments can reduce the repayment pressure of the repayment person, but the more installments, the more interest.