Legal analysis: if lovers borrow money to form a debt relationship, if a loan contract was signed at that time, then the debtor can repay the debt at the agreed time and interest, and never let money affect the relationship between the two parties; If a debt contract is not signed or the repayment time and interest are not negotiated, it can be regarded as no interest, the debtor can repay the debt at any time, and the creditor is obliged to accept it. Of course, the creditor can also urge the debtor to pay off the debt within a reasonable period of time.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 667 A loan contract is a contract in which the borrower borrows money from the lender, repays it at maturity and pays interest.

Article 668 A loan contract shall be in written form, unless otherwise agreed between natural persons. The contents of a loan contract generally include terms such as loan type, currency, purpose, amount, interest rate, term and repayment method.

Article 675 The borrower shall repay the loan within the agreed time limit. If the term of the loan is not agreed or clearly agreed, and cannot be determined according to the provisions of Article 510 of this Law, the borrower may return it at any time; The lender may urge the borrower to return it within a reasonable period of time.