Happy Instant Loan is a pure credit consumer loan product launched by Changsha Bank.

1. Before 18:00 on the agreed repayment date for automatic repayment (the 21st of each month), ensure that the funds in the repayment bank card (that is, the receiving bank card selected when borrowing) are sufficient to repay the principal and balance of the current period. Changsha Bank will automatically deduct the interest.

2 For early repayment, you can deposit sufficient funds into the repayment account at any time, and then click "Happy Instant Loan" through e-bank to repay the loan in advance. There is no handling fee for early repayment. The above are the two repayment methods of Happy Instant Loan. You can choose automatic repayment or early repayment. It should be noted that repayments must be made on time. Happy Miao Loan is subject to credit reporting. Once overdue behavior occurs, it will affect personal credit reporting.