Legal analysis: 1. Usually, individuals or enterprises will choose to apply for short-term loans from banks or other financial institutions in order to maintain the operation of the capital chain or solve the shortage of capital turnover and the need to repay debts. The repayment period of short-term loans is basically within one year, which has the advantages of less review time and short loan cycle.

2. The interest of short-term loans usually changes slightly with the year. Generally, the interest on short-term loans is 5.85% within six months, and 6.3 1% from six months to one year (including one year).

3. The short-term loan business launched according to different short-term loan platforms is also different.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 680 usury is prohibited and the loan interest rate shall not violate the relevant provisions of the state. If there is no agreement on the payment of interest in the loan contract, it shall be deemed that there is no interest. If the loan contract does not specify the payment method of interest, and the parties cannot reach a supplementary agreement, the interest shall be determined according to the local or the parties' trading methods, trading habits, market interest rates and other factors; Loans between natural persons are regarded as interest-free.

Article 25 If the lender requests the borrower to pay interest at the interest rate agreed in the contract, the people's court shall support it, except that the interest rate agreed by both parties exceeds four times the market quotation of one-year loan at the time of the establishment of the contract.

The "one-year loan market quotation" mentioned in the preceding paragraph refers to the one-year loan market quotation issued monthly by the National Interbank Funding Center authorized by the People's Bank of China from August 20th, 20th, 20th19th.