3.75 is usury. Generally speaking, one month's arrears are multiplied by 3.75% to repay the principal and interest. For example, if you owe 1 0,000 yuan, you will pay 1 0,000 yuan of principal plus 375 interest every month, and then repay the principal and interest according to the arrears next month.

Make it clear to the loan company that each company is different.