It is illegal to repay the agency. Borrowing money is the same as spending money. Users can only pay back by themselves, and others can't help.

Direct repayment does not support borrowing. Let's just say that you can transfer money through others and then repay it yourself. However, this method is compliant, because both parties transfer money for you voluntarily. You can repay by transferring Alipay or by transferring to a bank card.