The affiliated company has no right to negotiate with the leasing loan company to pay off the loan. The agreement between affiliated companies and leasing loan companies will not directly affect the repayment of personal loans. You are a customer of the leasing loan company, and you need to pay off the loan according to the repayment method and time agreed in the contract. You have paid off all the loans, and you don't need to make any repayment. Your loan is obtained through the channels of affiliated companies, so you need to check your agreement with affiliated companies to find out whether you need to repay it in the way and time stipulated in the agreement. If you have paid off the loan in full, then you don't need to make any repayment.