Legal analysis: online loans have no right to retrieve six-month call records. The law stipulates that citizens have the right to freedom and privacy of correspondence, that is, citizens' freedom and privacy of correspondence are protected by law. Except for the need of national security or the pursuit of criminal offences, no organization or individual may infringe upon citizens' freedom and privacy of communication for any reason.

Legal basis: Article 40 of the Constitution of People's Republic of China (PRC) stipulates that the freedom and privacy of communication of People's Republic of China (PRC) citizens are protected by law. When the public security organs and procuratorial organs check the communication in accordance with the procedures prescribed by law, no organization or individual may infringe upon citizens' freedom and privacy of communication for any reason, except for the need of national security or the need of pursuing criminal offences.