1. interest charge: as long as it is a loan, there is basically an interest charge. The interest expense of small loan companies has always been higher than that of banks, and interest is generally charged at a monthly rate.

2. Handling fee: The regulations of small loan companies are different, and some loan companies have no handling fee. The specific amount of fees is generally determined by the microfinance company, which is usually not very high.

3. Management fee: At present, many small loan companies have no interest on unsecured personal loans, but they charge management fees every month. The monthly management fee is equivalent to the monthly interest and charged according to the monthly management rate.

4. One-time expenses: Some small loan companies charge "monthly management fee+one-time expenses" without interest, or directly charge one-time expenses without interest. One-time expenses are generally around 1%-5% of the loan amount.