1. China Post Consumer Finance can settle the loan in advance, but a handling fee may be charged in advance. The details of the entrustment vary from person to person. Therefore, if you really want to pay off the loan as soon as possible, you can pay it off manually through special repayment channels. However, if the user applies for a one-time loan product of China Post Consumer Finance, partial repayment is not supported at present. If the loan is paid off on the same day, it is generally necessary to repay the settlement fee in advance, subject to the final approval result. Settlement includes: remaining principal; Date of interest payment in advance; Current expenses (if any); For the expenses settled in advance (if any), 3% of the loan principal shall be repaid in advance, and the repayment date shall not be less than 100 yuan. The system will be a batch process. If you need to pay the reimbursement manually, please stagger the number of buttons in one day.
2. China Post's consumer finance and credit products are divided into revolving loans and non-revolving loans, and postage is a revolving loan, and no prepaid fees are charged. Enter China Post Wallet, enter the "Repayment" interface, and click "Remaining Repayment Plan"-"Repayment in advance". China Post Wallet Huayou is a typical Internet credit card, similar to glistening and white stripes. Consumers can repay in the above ways. When there are still a few days before the repayment date, it is best to repay the loan in advance, so as to avoid accidentally catching up with the deadline on the repayment date and affecting personal credit.
3. China Post Consumer Finance inquired about this credit one day later, and there was no grace period, and overdue records would be left when the credit was collected, indicating that the time was related to the uploading time of China Post Consumer Finance. China Postal Consumer Finance is a financial institution initiated by China Postal Savings Bank and approved by China Banking Regulatory Commission. If you don't repay on time, China Post Consumer Finance will report to PBOC according to your actual repayment situation. If it is not overdue for many times, and the overdue time is short, the impact on personal credit is generally small. Financial institutions will generally consider various factors when checking customers' credit reports. According to the requirements, the borrower's credit record will be uploaded as required, so any loan application of China Post Finance will be recorded as repayment record.
China Post's loan is fixed. It is a pure online loan product jointly launched by well-known enterprises such as China Post Bank. On this platform, you can borrow money to repay at will. The maximum is 200,000 yuan, and the minimum interest rate is 0.045%. Compared with other similar products, the interest rate and quota are good. After the time limit for wallet repayment, you need to repay on time, otherwise your credit will expire.