Liar, no handling fee, low interest. Finally, the handling fee for putting you in is particularly high, and there is also a penalty for prepayment, which is also very high. This is tantamount to cheating. Don't be cheated. I was cheated. Now it's not easy to change one at a time. I won't return it because of various fees and fines. The handling fee is hidden, and they say there is no handling fee. I borrowed money.