Gitzo's installment mobile phone has not been returned in the last month, and it is four months overdue. What will happen? And it's only been four months, and the interest has increased by more than two thousand. If you don't pay back the loan in the last month, the penalty interest is not calculated according to the unpaid amount, but according to the principal of your loan, and the interest is the same. It's not that you think there are hundreds of dollars left in the last month, with penalty plus interest plus handling fee, but if it's overdue for 4 months, more than 2,000 dollars is not much, but you can calculate whether there is more than 36% interest, and you don't have to pay back the excess. You can calculate that the principal you added before is more than 36.