There are two ways to cash back: cash back at repayment and cash back in advance.

1. Repayment cashback: At the time of repayment, the lender can choose to cash back part of the repayment amount to the individual.

2. Cash back in advance: If the lender wants to repay in advance, it can also cash back. Generally speaking, lenders need to pay more cash back fees for prepayment.