Usually, without the consent of the creditor, the borrower cannot repay the creditor's wife. Because the creditor-debtor relationship in the loan contract only exists between the borrower and the creditor, the identity of the creditor or debtor cannot be changed at will. If the debtor violates the loan contract and returns the loan to his wife, the creditor may bring a lawsuit to the court to recover the debtor's arrears. Therefore, the debtor must obtain the consent of the creditor or make repayment through legal procedures to avoid legal disputes.