The one-time repayment method, also known as the final settlement method, means that the borrower needs to repay all the loan principal and interest on the loan maturity date. This method is suitable for short-term personal loans, and the loan period does not exceed one year. Due to the relatively small scale of funds lent in the short term, there is a clear maturity date. In this case, this method can simplify the management process, reduce risks and provide more flexibility.