Legal analysis: qq loan is a kind of private lending, as long as the interest rate is legal within the scope stipulated by law. There was a debt-to-debt relationship between the parties before, so the debtor asked the debtor to repay the loan on time, so the online loan should be repaid. If it is not repaid at maturity, it will affect the personal credit record and may face civil litigation. All in all, online lending is a debt-to-debt relationship. As long as the interest rate agreed by online lending is within the scope permitted by law, there is a legal basis, that is, it must be repaid.

Legal basis: Article 24 of the Provisions of the Supreme People's Court on Several Issues Concerning the Application of Laws in the Trial of Private Lending Cases Article 24 If the borrower and the lender have not agreed on interest, and the lender claims to pay interest, the people's court will not support it. The people's court will not support the loan between natural persons whose interest agreement is unclear and the lender claims to pay interest. Except for the loan between natural persons, if the agreement on the loan interest between the borrower and the lender is unclear, and the lender claims interest, the people's court shall determine the interest according to the contents of the private loan contract and the local or the parties' trading methods, trading habits, market quotation rate and other factors.