The loan debt on the app can be transferred, but it must be approved by the creditor. Debt transfer must meet four conditions: there must be effective debt; The transferred debt can indeed be transferred; The third party must reach an agreement with the creditor or debtor on the transfer of debt; The assignment of debts must be agreed by the creditors.

legal ground

Article 55 1 of the Civil Code

Where the debtor transfers all or part of its debts to a third party, it shall obtain the consent of the creditor. The debtor or a third party may urge the creditor to give consent within a reasonable time. If the creditor fails to express it, it shall be deemed as disagreement.

Article 553

If the debtor transfers the debt, the new debtor may claim the defense of the original debtor against the creditor; Where the original debtor enjoys the creditor's rights, the new debtor may not claim offset from the creditor.

Article 554 Where the debtor transfers the debt, the new debtor shall bear the subordinate debt related to the main debt, except that the subordinate debt belongs exclusively to the original debtor.