Handling fee for early repayment of Lilac IOU 1. There is no need to pay off part of the interest in advance for Lilac IOUs, and a penalty (handling fee) of 1 is required. Partial early repayment, the early repayment part does not need to bear interest, only 1 penalty is required. The remaining loan interest will be recalculated as a credit card early repayment, and the handling fee will still be deducted, so do not repay in advance.