Credit union loans are not all short-term loans, they are all one year. My suggestion is to pay them back if you have money. The interest rate of credit cooperative loans is the highest among all commercial banks. No matter how rich you are, you can't do this. You can repay the principal of 65,438+0,000 yuan every month, so the pressure of paying interest later will be less. Remember a piece of advice: never deal with banks unless you have to.