Legal analysis: in this case, there is no need to repay. Because under normal circumstances, the real loan relationship can only begin when the funds of the lending institution hit the user's account, and in the actual loan process, electronic contracts are often signed, but when waiting for the loan, the user is found to be at risk and refuses the loan. Or the matching fund party has no loanable amount, etc. , which may cause the account to fail. Naturally, there is no loan relationship, so even if you sign an electronic contract, you don't have to pay back the money. In addition, when applying for a loan, users need to carefully check the bank card number. If the loan fails due to an error in the bank card, you need to contact the platform as soon as possible so that the platform can communicate with the cooperative banking institutions and change the correct bank card number. If the institution requires the user to pay the bank card unfreezing fee and other fees, it can also refuse. It is suggested to keep relevant vouchers to prevent subsequent disputes.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 667 A loan contract is a contract in which the borrower borrows money from the lender, repays it at maturity and pays interest.

Article 668 A loan contract shall be in written form, unless otherwise agreed between natural persons. The contents of a loan contract generally include terms such as loan type, currency, purpose, amount, interest rate, term and repayment method.

Article 669 When concluding a loan contract, the borrower shall provide the true information about the business activities and financial status related to the loan according to the requirements of the lender.