Legal analysis: online loans cannot be repaid. If a person dies, the loan owed to the bank will be recovered by the bank or online financial institution according to the actual situation: 1, which is guaranteed. Banks should recover from their guarantors or guarantee institutions. 2. There is no guarantee. The estate under the name of the deceased shall be used for compensation or the legal heir shall fulfill the obligation of repayment. 3. There is no guarantee and no legacy. If there is no inheritance under the name of the deceased, or the legal heir does not inherit the debtor's inheritance, there is no obligation to repay the loan.

Legal basis: Article 161 of the Civil Law of People's Republic of China (PRC), the successor shall pay off the taxes and debts that the decedent should pay according to law within the actual value of the inheritance. The part exceeding the actual value of the estate shall be voluntarily repaid by the heir. If the heir renounces inheritance, he may not be liable for paying off the taxes and debts that the decedent should pay according to law.