Changing the repayment date of the loan has no effect on the interest. The loan interest is calculated according to the loan interest rate, loan term and repayment method. As for the repayment date, it will not affect the loan interest. Unless the user chooses to pay off the loan in advance, the interest will end on the repayment date, so the total interest of the loan will be much lower than the previously calculated interest.

Generally speaking, the change of repayment date is only for the convenience of users, and the loan interest is not affected by the change of repayment date. Users can set the repayment date after the salary payment date, so that users can repay on time after the salary payment. Some loans do not support changing the repayment date, so they must be repaid on the specified repayment date. Failure to repay on time will be regarded as overdue by users.

After the loan repayment date is changed, it usually takes effect in the next month, so the repayment in the current month still needs to be made according to the old repayment date, and the repayment in the next month can be made according to the new repayment date.