Not a regular platform. Informal loan platform, interest fee, handling fee and necessary installment are not formal platforms, and overdue fees add up to disguised usury. Loan interest should not be considered by the platform at all. What matters is the speed of the next payment. This way of robbing Peter to pay Paul is tantamount to drinking poison to quench thirst. I still have a certain willingness to repay, but the debt I bear has exceeded my own ability, and eventually everything collapsed. Don't borrow money online, but go to a regular bank for a loan, which is safer.