First of all, you can go back on your word and give up the loan before signing the contract, or go back on your word and give up the loan before paying after signing the contract. All the loan products of Ping An Pratt & Whitney have no upfront fees, and their unsecured products have also cancelled the three-point deduction fee before the end of the year, as well as the participation of "you lend me cash back". So it is very problematic for you to pay in advance. Not a regular Pratt & Whitney company, but the name is similar!
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.