Xiaomi borrows Star (original Xiaomi loan) to bear interest on a daily basis, and the interest rate is given by the system after comprehensive evaluation according to the user's credit situation. Interest rates are different under different credit conditions.

Repayment methods are divided into borrowing and repayment on schedule. Loan and repayment: daily interest = outstanding principal * daily interest rate * borrowing time, repayment on schedule: annual interest = principal * annual interest rate.