The same bank also has different credit products, and different interest rates and repayment methods of each product will lead to different monthly payments. Judging from the amount proposed in the topic, it looks like a personal consumption loan, or it may be a small agricultural loan or something like that. At present, there seems to be a discount on car loans in consumer loans, and the interest rate may be lower, about 8- 10 every year. If it is decoration, it may be higher, depending on the mortgage situation and the credit rating of the lender. The interest rate of banks is the product of risk pricing. For example, borrower A has a bad credit record and often defaults on loans. The bank may feel that lending money to A is risky, so it will charge a higher interest rate to compensate for the risk. This risk pricing is based on a large sample, because banks are faced with a large number of customers. For example, ICBC has 1 1,000,000 customers, among which 1 1,000,000 customers have the same credit rating as A. These people have poor credit records, and the probability of non-repayment is relatively high, but the interest they charge is higher than that of other customers, so part of the income that can actually be recovered can be used to make up for the losses. This is roughly the logic. PS: As far as the topic is concerned, this amount can also be settled by credit card. If it is only used for a short time, the credit card generally has an interest-free period of 30-50 days. If the other party is a merchant who can swipe the card and the credit status of the subject is relatively good. Or go directly to the outlets that can handle credit business, usually branches and above, and ask the loan officer for advice. Don't worry about being cheated. . . Because you can ask one in the north and one in the south. Why choose ICBC? Bank of China, China Construction Bank, Bank of China, Agricultural Bank of China and twelve joint-stock banks, local city commercial banks, rural commercial banks and credit cooperatives are all your good choices. Might as well shop around.