Hello, Home Credit mainly serves low- and middle-income people who cannot easily obtain credit card loans or other traditional bank loan services. Correspondingly, the loan risk is relatively higher, so the fees are also higher than traditional banks. Home Credit is committed to providing customers with transparent and responsible loan services, and charges fees in compliance with relevant laws and regulations.

In order to encourage rational consumption, Home Credit Company provides customers with a 15-day "hesitation period" service. From the date of application, if you apply within 15 days and repay the entire principal within 15 days, you can enjoy free advance payment. Repayment (no fees).