Consumer Finance of Bank of China announced the interest rate and charges in official website. The standard of interest charges is 1 1.5%-23.9%, the installment fee rate is 12%-24%, and the prepayment fee is 2%-3%.

BOC Consumer Finance is a consumer finance company established by Bank of China, and has a formal consumer finance license. All loan products applied by borrowers in consumer finance of BOC are connected with the central bank's credit information system.