Your service fee is not bad, but the service fee is too high. Your annual interest rate is around 30-33, which is quite high. The state stipulates that it should not exceed 24. You still have to be careful when taking out a loan, go to the bank first. Since you have already taken out a loan, accept it, but if you have the money. It is recommended to settle in advance. If you settle in advance, you won’t have to pay so much service fee. Look at mine, it’s disgusting. If I pay the same amount for six installments, it will cost about 5,000 more than if I settle it in advance. All of this 5,000 is the interest plus service fee for each installment, which is really disgusting.