If you fail to repay the loan within the time limit, you will not only have a late payment fee, but also have a bad personal credit record. You cannot apply for credit cards and bank loans within five years. Those who are overdue for more than three months or the bank has failed to repay twice are suspected of credit card fraud and malicious overdraft, which are serious in nature. The bank will sue you and apply for court enforcement.

In your case, the bank won't allow you to repay by installments! Give it back to me! If the amount owed exceeds 1W, the court will punish you for the crime of credit card fraud and malicious overdraft!