Legal analysis: online loans have guarantors. The guarantor's responsibility is to guarantee the loan of others. If the lender can't repay the loan, he will ask you to 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.

If a third party provides a guarantee for the debtor to the creditor, it may require the debtor to provide a counter-guarantee. The provisions of this law and other laws shall apply to counter-guarantee.