The difference between repaying a loan and continuing to pay it is that if you want to repay the loan a long time ago, you have to pay a part of the late payment fee in addition to the insurance premium that should be paid.
The difference between company repayment and individual repayment is that if the company repays, the company has to bear part of it. If an individual repays, all the money must be paid by himself. But in some cases, individuals are not allowed to repay, and only companies can repay.