Can't pay off the last OCBC EasiCredit payment (28k) in full. What actually happens?

Hi all, looking for anyone who's been through this or knows how OCBC handles it. My EasiCredit tenure just ended and the final payment is about $28k. I don't have the full amount ready right now. I called OCBC to ask what my options are if I can't pay it all in one go, but they said they'll only give me an answer when the final month actually comes. Not super helpful for planning. Some context: I've always paid on time, both for this and my OCBC reno loan. So I'm hoping they might offer some kind of instalment or payment plan (I know it'll cost more than 28k with interest, that's fine). Questions: 1. Has anyone been in this situation with OCBC (or another bank)? Did they offer a payment plan or restructuring? 2. If you missed or partially paid the final amount, how bad was it? Late fees, interest rate, impact on your credit report?