Legal analysis: it is legal and needs to actively fulfill its repayment obligations. If the annual interest rate of credit is below 24%, it must be repaid; During the period of 24%-36% annual interest rate, it belongs to natural debt interest. If you want to pay it back, you can't force you to pay it back. If the annual interest rate exceeds 36%, it is illegal debt interest and there is no need to pay it back at all. Online lending platforms usually charge various fees (management fees, insurance premiums, etc.). ), beheaded interest, equal principal and interest, so that lenders feel that the nominal interest rate is not high, the actual interest rate of online loans is often higher than the statutory maximum standard, and the higher interest can not be repaid.

Legal basis: Article 670 of the Civil Code stipulates that the interest of a loan shall not be deducted from the principal in advance. If the interest is deducted from the principal in advance, the loan will be repaid according to the actual loan amount and the interest will be calculated.

Article 671 of the Civil Code If the lender fails to provide the loan on the agreed date and amount, thus causing losses to the borrower, it shall compensate for the losses. If the borrower fails to collect the loan according to the agreed date and amount, it shall pay interest according to the agreed date and amount.

Article 680 of the Civil Code prohibits high-interest lending, and the lending rate shall not violate the relevant provisions of the state. If there is no agreement on the payment of interest in the loan contract, it shall be deemed that there is no interest. If the loan contract does not specify the payment method of interest, and the parties cannot reach a supplementary agreement, the interest shall be determined according to the local or the parties' trading methods, trading habits, market interest rates and other factors; Loans between natural persons are regarded as interest-free.