Legal analysis: According to the specific situation, if it is considered that the interest of online loans exceeds the statutory interest or reaches usury, it is necessary to calculate the legal and illegal interest amount to determine whether it exceeds the statutory interest or usury. If the legitimate interest is not repaid, you can sue for excessive usury or offset the interest according to law.

Legal basis: Article 670 of the Civil Code of People's Republic of China (PRC) stipulates that the loan interest 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.