高利贷一直是社会上的一个问题，许多人因为各种原因而需要借高息贷款来解决自己的急需，但高额的利息导致还款风险极高，如何才能确保按时还款，不发生逾期呢？以下是一些建议。

首先，借款人在借款之前应该清楚地了解这一借贷方案的具体细节，包括借款金额、还款方式、利息和费用等等。如果这些信息没有得到仔细的确认和核实，很可能会因误解或对方恶意的信息不足而发生纠纷和逾期。

其次，借款人应该坚持制定一个还款计划。这个计划需要考虑到借款人的个人情况，比如收入和支出。借款人应根据自己的实际情况来确定每月的还款额度，并在详细的计划表中记录下来，以便更好地监控自己的还款情况。

第三，使用借款人的银行帐户来扣除还款款项。这个方法可以有效的避免人性的因素和忘记还款的现象。除此之外，自动扣款还可以保持还款的准确性。如果没有自动扣款功能，也可以使用借款人银行卡的转账功能。但在这种情况下，还款人需要确保及时还款，以免发生逾期等问题。

第四，对于有条件的借款人来说，可以考虑提前还款。提前还款可以不仅能够节省你的利息，而且还会对你的信用评级产生积极的影响，能够为你日后的借贷创造更好的条件。

最后，想及时发现还款异常，借款人可以定期查看自己的银行流水帐单或者余额，及时认识到还款问题所在，保持还款的透明度让你能够及时解决发生的还款问题。

总之，采取以上几种措施可以帮助您避免逾期，并有助于维护良好的信用评级。 Borrowing high interest rates to pay back the money is risky, and late payment is even riskier. How can we ensure that the repayment is on schedule and not overdue? Here are some suggestions.

First of all, the borrower should clearly understand the specific details of this lending scheme before borrowing, including the loan amount, repayment method, interest and fees. If these information are not carefully verified, disputes and overdue may occur due to misunderstandings or malicious information from the other party.

Secondly, the borrower should stick to a repayment plan. This plan needs to take into account the borrower's personal situation, such as income and expenditure. Borrowers should determine their monthly repayments based on their actual situation, and record them in a detailed plan, so as to better monitor their repayment situation.

Third, use the borrower's bank account to deduct repayment funds. This method can effectively avoid human factors and forgetting repayment. In addition, automatic repayment can also maintain the accuracy of repayment. If there is no automatic repayment function, you can also use the borrower's bank card transfer function. In this case, the borrower needs to ensure timely repayment to avoid overdue and other problems.

Fourth, for eligible borrowers, early repayment can be considered. Early repayment can not only save your interest, but also have a positive impact on your credit rating, creating better conditions for your future lending.

Finally, to detect repayment anomalies in a timely manner, borrowers can regularly check their bank statements or balances to recognize repayment issues in a timely manner and maintain repayment transparency to help you solve repayment problems that occur in a timely manner.

In short, adopting the above measures can help you avoid overdue and maintain a good credit rating.