Pro: Cash on delivery can solve the cash flow problem. Disadvantages: the loan waiting time is long and the loan cost is high. The personal loan is 6,543.8+0,000 yuan, the annual assessment fee is 6,543.8+0,000 yuan, the guarantee fee is 26.550 yuan, and the bank interest is 63.720 yuan, which requires 9,654.38+0.270 yuan!