The current annual interest rate for medical loans ranges from 10% to 18%. The maximum annual interest rate for borrowing on the medical world loan platform is set at no more than four times the annual bank loan interest rate for the same period. And with the adjustment of the bank loan interest rate, the interest rate range of the medical world loan will also be adjusted accordingly. Borrower users can set their own acceptable interest rate according to their own situation, referring to the corresponding lower limit of loan interest rate set by the website for borrowers of various credit ratings and the recent transaction loan interest rate of the website. Under the same circumstances, the higher the loan interest rate, the higher the probability of success (full bid). Currently credit loans can be selected for a borrowing period of 1 to 24 months. There are two repayment options: equal monthly principal and interest repayment, and monthly interest repayment and principal repayment at maturity.