At present, 360 IOUs can be repaid in advance. Early repayment requires the user to pay a certain penalty, but even if it is early repayment, the borrower needs to pay the interest of the subsequent loan normally. Please note that if you have paid by installment before, the interest generated by installment will not be refunded.

Download the 360 IOU app first, then log in to the account, open the loan page inside, find the order that needs to be repaid on the loan page, and click Repay in advance to repay.

If 360 IOUs choose installment repayment method, even if the user repays in advance, the installment fee to be charged cannot be reduced, and the full installment fee will be deducted when repaying in advance. Moreover, if you choose to repay the interest first and then the principal, you will be charged a penalty of 3% of the principal for early repayment. Specifically, the official actual situation shall prevail.

360 IOU is a credit technology service brand of 360 Branch, which was launched on September 20 16. It evaluates customers' credit based on 360 big data and provides instant consumer loans on this basis. It objectively presents personal credit status through technologies such as cloud computing, machine learning and 360 big data. According to the comprehensive consideration of credit risk, payment habit and consumption situation, users are granted different consumption quotas.