Legal analysis: the electronic contract signed by online loan fraud is invalid. Because the electronic contract signed by online loan fraud violates the provisions of relevant laws and regulations in China. A civil juristic act with the following conditions is valid: 1, and the actor has corresponding capacity for civil conduct; 2. The meaning is true; 3, do not violate the mandatory provisions of laws and administrative regulations, do not violate public order and good customs; This contract involves the legal property of both parties.

Legal basis: Article 143 of the Civil Code of People's Republic of China (PRC) The conditions for the validity of a civil juristic act are valid if the following conditions are met:

(1) the actor has corresponding capacity for civil conduct;

(2) the meaning is true;

(three) does not violate the mandatory provisions of laws and administrative regulations, and does not violate public order and good customs.