Legal analysis: the funds for the installment loan for cosmetic surgery have come down, and users don't want it, so they can only apply for a one-time payment in advance. Although he needs to pay some liquidated damages and handling fees, it is equivalent to returning the loan funds. However, it is not supported by this lending institution to return the loan funds directly without paying any fees. Therefore, users must carefully consider before applying for installment loans.

Legal basis: Article 673 of the Civil Code of People's Republic of China (PRC). If the borrower fails to use the loan according to the agreed purpose, the lender may stop issuing the loan, recover the loan in advance or terminate the contract. Article 674 The borrower shall pay interest at the agreed time limit. If the time limit for paying interest is not stipulated or clearly stipulated, and cannot be determined according to the provisions of Article 510 of this Law, if the loan period is less than one year, it shall be paid together with the loan; If the loan term is more than one year, it shall be paid at the end of each year; if the remaining term is less than one year, it shall be paid together with the loan. Article 676 If the borrower fails to repay the loan within the agreed time limit, it shall pay the overdue interest in accordance with the agreement or the relevant provisions of the state.