Legal analysis: online loans have guarantors. The guarantor's responsibility is to guarantee the loan of others. If the lender can't pay back the money, find him and bear the legal responsibility for repayment.

Legal basis: Article 387 of the Civil Code of People's Republic of China (PRC). Where a creditor needs security in order to ensure the realization of his creditor's rights in civil activities such as lending, buying and selling, he may establish a security interest in accordance with the provisions of this Law and other laws.