Yes, anyone who owes you money can negotiate to repay only the principal, but neither the online loan company nor the bank will easily allow you to repay only the principal. Lending and charging interest, that's their job. If you only want to repay the principal, it's tantamount to taking the skin from the tiger.

At present, some online lending platforms are almost higher than the bank loan interest rate in the same period, so it is almost impossible to finally repay the principal. The final result is that it must be repaid, but some platforms repay the principal and interest at one time, that is to say, they repay the interest in the first few months and the principal and interest in the last month.

Legal basis: Provisions of the Supreme Court on Several Issues Concerning the Application of Law in the Trial of Private Lending Cases.

Article 21 Lenders and borrowers form a lending relationship through online lending platforms. The online loan platform provider only provides media services, and the court will not support it if the parties request it to assume the guarantee responsibility. If the online lending platform provider explicitly provides a guarantee for the loan or has other evidence through web pages, advertisements and other media, and the lender requests the online lending platform provider to assume the guarantee responsibility, the court shall support it.

Article 28 If the borrower and the lender have an agreement on the overdue interest rate, it shall be implemented in accordance with the agreement, but it shall not exceed four times the quoted interest rate of the one-year loan market at the time of the establishment of the contract. If there is no agreement or unclear agreement on the overdue interest rate, the court may handle it according to different circumstances:

(a) the people's court shall support the lender's claim that the borrower shall bear the liability for breach of contract for overdue repayment with reference to the interest calculated according to the quoted interest rate standard of the one-year loan market at that time;

(2) If the interest rate during the loan period is agreed, but the overdue interest rate is not agreed, and the lender claims that the borrower will pay the interest during the occupation period according to the interest rate during the loan period from the date of overdue repayment, the court shall support it.