Legal analysis: online loans cannot be repaid. Once the online loan is not returned, your overdue behavior will be uploaded to the credit information system, which will directly affect your personal credit and affect your application for credit cards and loans in the future. If the circumstances are serious, it will be prosecuted by the lending institution, and the property under the personal name may be seized.

Legal basis: Article 675 of the Civil Code states that 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.