Today, I received a message from Baiqian Finance, saying that I can apply for a cash loan of 8,000 yuan. Is this reliable?

You don't have to return it, but you're still a dick. I didn't repay Gitzo's loan. What can he do? He calculates the interest himself. The loan was 8,000 yuan, which was repaid in 979 1 month, and the fucking interest was repaid by more than half. If he wants you to pay back the money, you can fuck him. He dare not do anything. He belongs to 1 usury. Even if he takes you to court, the most you can do is to return the principal of the loan to her.