Whether it is repayment on schedule or early repayment, there are advantages and disadvantages, and you need to decide based on your actual situation and preferences.

Repayment on schedule means repaying the loan on time on the repayment date of each month. This method can maintain a stable repayment rhythm and avoid penalty interest and credit problems caused by default. However, if the loan has a higher interest rate, regular repayments will result in an increase in total interest costs.

Prepayment refers to the early repayment of all or part of the loan principal and interest within the repayment period. This approach can reduce total interest costs, improve credit scores, shorten borrowing cycles, and avoid unforeseen circumstances that may lead to delinquency. However, early repayment may incur liquidated damages or fees, and if the loan interest rate is low, early repayment may affect other financial plans.

Therefore, it is recommended that you consider your financial situation, borrowing interest rate, loan cycle and preferences when deciding to repay on schedule or early repayment, and choose the most appropriate repayment method. At the same time, no matter which method you choose, you should repay on time according to the contract to maintain a good credit record.