Legal analysis: When a person who owes an online loan dies, he can use his estate to repay the debt. If the debtor has an heir who inherits his estate, he can claim credit against his heir, because the law stipulates that inheritance requires Repay the debt owed by the deceased within the value of the inherited estate. If the debt is a joint debt between husband and wife, the debt can be claimed against the spouse.

Legal basis: Article 1159 of the "People's Republic of China and Civil Code", when dividing the inheritance, the taxes and debts that the deceased should pay according to law shall be paid; however, Heirs who lack the ability to work and have no source of income retain necessary inheritance.