You need to negotiate with the parties. If you don't agree to postpone the payment, you need to pay on time. Although affected by the epidemic, everyone can't travel and work normally, but this does not prevent the loan company from collecting money. During the epidemic, some banks and online lending companies implemented some measures, and borrowers can apply for deferred repayment. In case of collection, you should actively respond and negotiate as much as possible to avoid affecting your personal credit information.