The principal of the Pacific loan has been repaid, and the rest can't be repaid. According to the relevant public information, the principal and interest shall be repaid in accordance with the contract. According to the law, if there is no repayment order in the contract, it is generally recognized as paying interest first, and the part with an annual interest rate of more than 36% belongs to usury, and you can ask for return. If the annual interest rate payable but unpaid exceeds 24%, you can claim not to pay.