Legal analysis: you can be a guarantor by borrowing online loans. As long as the user repays each installment on time, the credit report is a record of timely repayment. And the guarantor must have certain repayment ability and stable work and income. Of course, the guarantor is willing to take the responsibility of repayment in place of the borrower when the borrower is unable to repay the loan.

In addition, the guarantor must be a third party, and husband and wife cannot be guarantors for each other, because husband and wife are a whole with the family as the unit.

Legal basis: Civil Code of People's Republic of China (PRC).

The forms of suretyship include general suretyship and joint liability suretyship.

If the parties have not agreed on the way of guarantee or the agreement is unclear in the guarantee contract, they shall bear the guarantee liability according to the general guarantee.

Article 687 General Guarantee refers to the guarantee that the guarantor shall bear the guarantee liability when the debtor fails to perform the debt, as stipulated by the parties in the guarantee contract.