Legal analysis: If there is no loan to be defrauded, then there is no need to pay back the money at this time because there is no fact of borrowing money. The loan has been released, but the loan interest rate is high, and the lender voluntarily signs a loan contract. At this point, even if the loan is cheated, the user needs to pay back the money. Therefore, users must carefully consider when applying for loans to avoid being used by others.

Legal basis: Article 118 of the Civil Law of People's Republic of China (PRC), the civil subject enjoys creditor's rights according to law. Creditor's right is the right of obligee to request a specific debtor to perform or not to perform an act based on contract, tort, negotiorum gestio, unjust enrichment and other provisions of the law.