You can pay off in advance. The methods of paying off in advance are as follows:

1. Open the China Construction Bank app and click the place indicated by the arrow in the upper left corner of the page.

2. Next, click Login.

3. after logging in, click the credit card indicated by the arrow.

4. in the credit card, click repay for me.

5. In the subsequent page, select the installment bill and click Pay All.