A fixed-rate loan doesn’t offer the same flexible features as a variable-rate loan. As an example, fixed-rate loans do not include our FlexiPayment feature, and you need to contact our Customer Service if you want to make changes to your loan.  If you pay off a fixed-rate loan early, you may be charged an early repayment fee depending on the market situation and your loan’s interest rate period. We will calculate the early repayment fee for you before you pay off your loan.