Legal analysis: the loan has been repaid, and now changing the name means that the formalities are troublesome and the name can only be changed after the loan is repaid.

Legal basis: Article 10 12 of the Civil Code of People's Republic of China (PRC) states that natural persons have the right to name, and have the right to decide, use, change or allow others to use their own names according to law, but they shall not violate public order and good customs.