If the online loan is not repaid during the epidemic, the borrower can negotiate with the lender to repay the loan in installments or postpone the repayment. If the lender agrees, the borrower can repay the loan in installments or postponed; If the lender does not agree, the borrower will pay overdue interest if it repays the loan overdue, and the lender can bring a lawsuit to the court according to law to recover the arrears. The borrower shall pay interest at the agreed time limit. If the time limit for paying interest is not stipulated or clearly stipulated, and cannot be determined according to the provisions of Article 510 of this Law, if the loan period is less than one year, it shall be paid together with the loan; If the loan term is more than one year, it shall be paid at the end of each year; if the remaining term is less than one year, it shall be paid together with the loan. According to the Notice on Further Strengthening Financial Support for Prevention and Control in novel coronavirus, financial institutions should appropriately tilt the credit policy, flexibly adjust the repayment arrangements of personal credit such as housing mortgage and credit card, and reasonably postpone the repayment period for those who are hospitalized or isolated due to the new pneumonia, those who need to be isolated for observation due to the epidemic, and those who temporarily lose their sources of income due to the epidemic. Provide differentiated and preferential financial services for regions, industries and enterprises that are greatly affected by the epidemic. Financial institutions should adjust regional financing policies, transfer pricing of internal funds, implement differentiated performance appraisal methods and other measures to enhance the financial supply capacity in areas with severe epidemic. Improve financial services in social and people's livelihood areas affected by the epidemic. For those hospitalized or isolated people with new pneumonia, those who need isolated observers for epidemic prevention and control, those who have temporarily lost their livelihood due to the epidemic, financial institutions should appropriately tilt their credit policies, flexibly adjust personal credit repayment arrangements such as housing mortgage and credit card, and reasonably postpone the repayment period. Personal business guarantee loans infected with new pneumonia can be extended for one year and continue to enjoy financial discount support. Financial institutions should give priority to customers infected with new pneumonia or damaged by the epidemic, appropriately expand the scope of responsibility and make full compensation.

Legal basis: Article 673 of the Civil Code of People's Republic of China (PRC). If the borrower fails to use the loan according to the agreed purpose, the lender may stop issuing the loan, recover the loan in advance or terminate the contract.