360 IOUs for prepayment need to log in to 360 IOUs APP, and then enter "My Center". Find the repayment item at this time, and click "prepayment". It should be noted that the installment fee charged for early repayment cannot be reduced. Therefore, there is no need to repay the loan on the 360 loan in advance.

The loan of 360 IOUs must be repaid on time, and there can be no overdue repayment. Generally, the platform will charge a penalty interest after overdue, and the longer the time, the more penalty interest will be charged. Moreover, the platform will collect money after the deadline, and the common collection method is to call the borrower.

After the 360 loan is overdue, it will also affect personal credit information, and the credit information will deteriorate, which will affect the subsequent handling of various loans. If the arrears are not paid, this overdue record will remain in the credit report and will never disappear. The arrears will be retained for 5 years after being returned, and will disappear automatically after 5 years.

Users can choose different installment repayment methods when borrowing from 360. When choosing installment payment, they should consider their income. When personal income is relatively high, they can choose less installment payment. When personal income is relatively low, they can consider more installment payment. However, the more installments, the more interest users pay.

The above is what Bian Xiao shared for you about how to repay 360 IOUs in advance. For more information, you can pay attention to the construction industry and share more dry goods.