There is no need to pay interest, so monthly repayment only includes installment repayment of principal. Two years is 24 months, so the monthly payment is 2500 yuan. Interest-free means that users don't have to pay interest when they borrow money or shop in installments. However, the user needs to repay the interest-free loan within the specified time, and interest will be charged after the specified time, and the principal and interest must also be returned within the specified time, and there can be no overdue situation.