1, arbitrary payment is a consumer loan product. The difference is that it can be used not only in Suning Mall, but also in existing stores and third-party institutions, which is very convenient.

2. Self-willed loan is a consumer credit product of Suning Finance, which is simply a micro-credit loan.

3, you can refer to borrowing and spending. Simply put, willful payment is equivalent to a virtual credit card, which is paid first and then repaid, while willful loan is a personal microfinance product.