The specific operation steps are as follows: Open the 360 IOU APP, click My-Loan Record-Repayment Plan-Repayment in advance in turn, and finally click the "Resolutely Settle" option on the interface to settle the arrears. One-time repayment belongs to early repayment and needs to be applied to the loan platform. Only after the loan platform is approved can the principal be repaid in one lump sum.