1. Users who want to advance loans need to enter their personal information and log on to Alipay's homepage. Then click My-Loan on the Alipay homepage to enter the loan page.

2. On the loan page, the user needs to find and click the ant loan page in turn-pay back the money, and then enter the jump page.

3. The user needs to select prepayment in the jump page, then select the bill that needs repayment at present in this page, and click prepayment.

Users who use debit cards can handle the repayment business according to the above steps if they want to repay in advance. Although the loan period is set by ants, users can repay in advance because it is a daily interest-bearing product. Moreover, you can choose the repayment principal amount at will by borrowing in advance, without paying it off at one time.

The favorable influence of early repayment by borrowing deferred materials;

(1) Early repayment increases sesame credit score. The user's prepayment will be recorded in the record of keeping the contract, and the system will judge that the user is a crediter and a quality customer, thus increasing the sesame credit score.

(2) Advance repayment to increase the loan amount. For users who keep the contract every time and are not overdue, they borrow the current loan amount in full every time, and pay off the prepayment in one lump sum. The system will feel that the user needs a lot of cash recently, thus giving certain opportunities to increase the amount.

(3) It is conducive to maintaining personal credit information.

There is an important concept to tell you here. Ant prepayment still belongs to the category of normal repayment, so it will not affect credit reporting. Only overdue repayment will affect the credit investigation, and a penalty of 1.5 times will be charged.