If the user repays with loan funds and the lending institution does not detect it, then it is ok to do so. However, even if this is not detected, users are still not advised to repay with loans.

Repaying a loan with a loan will not only lead to an increase in loan interest, but also increase the risk of overdue. Once the loan is not available, the last loan will be overdue. Therefore, users must apply for loans according to their repayment ability, and at the same time be careful not to overdraw consumption, so there is no need to raise loans with loans.