The People's Bank of China can't repay online loans, and online loans can't be repaid in banks. Online loans are borrowed from online platforms, and there is no way to repay them in banks. However, you can go to the bank to make money to the account agreed by the lending platform for repayment.

Loan repayment method:

1. One-time repayment. One of the repayment methods of online loans is one-time repayment. According to the loan contract signed by both parties, after the agreed loan period expires, the principal and interest of the loan will be repaid in one lump sum. One-time repayment is not only a repayment method agreed in many loan contracts, but also a highly operational way.

2. Repayment by installment. The second way of online loan repayment is installment repayment. If it is an online loan, you can also choose the installment repayment method. The main reason for choosing installment repayment is to reduce the repayment pressure. The specific staging period can be agreed by both parties. Under normal circumstances, if it is repayment by installments, you should choose to repay the principal and interest within the agreed time limit.

3. Pay interest on a monthly basis and return the principal at maturity. The third way to repay online loans is to pay interest on a monthly basis. That is, the two parties sign a loan contract, and the borrower pays the loan interest to the lending institution every month without paying the principal every month. Interest is amortized monthly according to the total interest. Then pay off the principal in one lump sum after the loan contract expires.

4. average capital. The fourth way of online loan repayment is average capital. The so-called average capital is the fixed monthly principal. In addition to the principal, you need a certain amount of interest. Within the agreed repayment period, the monthly repayment amount is different, and the more the amount, the less. If the loan amount is not much, it is recommended to use this repayment method, so that you can pay less interest.

5. Equal principal and interest. The fifth method of online loan repayment is equal principal and interest. The so-called equal principal and interest is the fixed monthly interest. In addition to fixed interest, part of the principal needs to be returned. The monthly repayment amount remains unchanged during the agreed repayment period. If you choose this repayment method, you need to return more interest.

6. Direct withholding. The sixth way of online loan repayment is direct withholding. After the online loan is borrowed, the general optional repayment method is to directly deduct the money by binding the bank card. This repayment method saves time and effort, which is convenient for both parties and can avoid abnormal repayment.

Handling online loans is to pay attention to the formality of the platform.

1, with a regular small loan license;

2. Have a good user reputation;

3. The platform has strong capital strength and is backed by large well-known companies.

Pay attention to the platform loan fee:

1, what is the annualized loan interest rate of the online lending platform? Annualized loan interest rate = monthly loan interest rate × 12= daily loan interest rate ×365. If the annualized loan interest rate of the online lending platform is above 36%, it belongs to usury, so don't borrow it.

2. Does the online lending platform have upfront fees? What are the names of upfront fees? If the upfront cost of an online lending platform is too much, everyone should pay special attention.

3. Does the online lending platform have hidden costs? You can first find out online whether there are hidden fees on the online loan platform after the next payment. It is best not to apply for an online loan platform with hidden charges.