Banyan loans do not have a three-day grace period. Once the repayment date is exceeded, even if it is more than one or two days, if the bill is paid off in time, it will not be regarded as overdue. The best way is to pay off the bill as soon as possible to avoid overdue. Many loan platforms have no grace period, and the repayment date is the final repayment period, but even if it is not paid off on the repayment date, it can still be repaid the next day.