24:00. According to the official website of Banyan Tree, when borrowing money from Banyan Tree Loan, the 1st of each month is the repayment date, and repayment must be made at 24:00 on that day. All loans borrowed from Banyan Tree Loan need to be repaid according to the repayment time stipulated in the contract. If the payment is not repaid on the final repayment date, it is overdue. Overdue fees and interest will be charged accordingly.