As a brand-new loan model, it does not need any mortgage or guarantee, and brings users a pleasant loan experience. In a new loan, the interest rate is the ratio of the interest generated by the borrower to the principal during the loan period. Interest rates are generally stipulated by the state, and interest rates determine the interests of both borrowers and borrowers. Generally speaking, the higher the new loan interest rate, the more unfavorable it is to the borrower and the more favorable it is to the lender. Therefore, the interest rate is very important for the loan business and cannot be changed at will. Once changed, it will destroy the balance of the whole financial market.