1. Choose a shorter installment period: the shorter the installment period, the lower the interest expense. When borrowing money, choosing a shorter installment period can complete the repayment as soon as possible and reduce interest expenses.

2. prepayment: prepayment can reduce interest expense, because interest is calculated according to the loan amount. Early repayment can reduce the repayment period and loan amount, thus reducing interest payment.

3. Repayment on time: Repayment on time can not only upgrade personal credit, but also avoid overdue fees. Setting reminders or using automatic deduction function can ensure timely repayment.

4. arrange the repayment amount reasonably: arrange the repayment amount reasonably according to your own financial situation. If financial resources permit, you can consider paying more principal to reduce interest expenses.

5. Comparison with other installment payment platforms: When choosing an installment payment platform, compare the differences in bank interest rates and fees of different platforms, and choose the platform that is most suitable for you to implement installment payment.

6. Early termination of installment: If you decide to repay in advance, you should contact customer service in advance to terminate installment. In this way, the handling fee for the remaining periods can be avoided. Some banks may waive the handling fee for the remaining installments after prepayment, but the specific situation depends on the bank's regulations.

7. Pay attention to the handling fee: Even if the installment is terminated early, the handling fee for the remaining installments may still be charged. Therefore, it is best to choose a shorter number of installments when the repayment amount is within your personal ability to reduce the handling fee.