According to the context, if you want to pay back the money, but the current funds are insufficient, it is recommended that you negotiate with the online lending platform and give priority to repaying formal and reputable loans to minimize the impact on yourself. This will not only improve your own credit, but also help you to apply for other loans in the future.
Therefore, for online loan users, it is very necessary to know their own online loan situation, sort out loans, and give priority to repaying formal and reputable loans. I hope the above information is helpful to you.