I can't. Xiao 'an installment is an informal online lending platform. The loan review process is not rigorous, and there are some illegal operations, such as charging high interest and beheading interest. So black households can't pay in installments in Xiao 'an. Black households usually refer to people who have bad records in personal credit reports, including overdue repayment, credit card cashing, malicious overdraft and other behaviors. Because the audit process of Xiao 'an staging is not rigorous, even if black households apply for loans on the platform, it is difficult to pass.