You need to take the initiative to contact the online lending platform, clarify your debt and income and propose corresponding solutions, waiting for the reply from the online lending platform. Solutions to the inability to repay online loans include:

1, borrow money from relatives and friends to temporarily make up for the loophole.

If it is only a temporary situation, there will soon be enough funds to ask relatives and friends for help.

2. Apply for deferred repayment.

In case of emergency, such as illness, hospitalization, unemployment, etc., you can contact the bank customer service. Tell the customer service about your real situation, and then apply for deferred repayment.

2. What conditions are valid for the loan contract signed with the online loan company?

1, the subject matter of the contract is qualified.

2. The expressions of will of both parties are true.

3. The contract does not violate the law or public order and good customs.

4. The online lending company has fulfilled its borrowing obligations.

3. What are the circumstances of the loan contract signed with the online loan company that are invalid?

1. One or both borrowers are unqualified;

2. One party enters into a loan contract by means of fraud or coercion, which harms the interests of the state;

3. The borrower and the lender collude maliciously, which damages the interests of the state, the collective or a third party;

4. Harm the interests of the public;

5. Covering up illegal purposes in a legal form, such as lending money to others for gambling or drug trafficking;

6. Violation of mandatory provisions of laws and administrative regulations.

4. What are the legal risks in peer-to-peer lending?

1, the source of funds is not regulated.

2. The bank's credit system is lacking, and overdue repayment occurs from time to time.

3. The security of the deposited funds is low, which may be misappropriated by other personnel such as websites.

4. The borrower is easily suspected of the crime of illegally absorbing public deposits and the crime of setting up financial institutions without authorization.

5. The interest rate of peer-to-peer lending sometimes far exceeds the stipulated interest rate. Once an economic dispute occurs, the lender cannot safeguard this part of the interests.