According to the context, if you want to pay back the money, but the funds are insufficient at present, I suggest you negotiate with the online lending platform to give priority to repaying formal and reputable loans and minimize the impact on yourself. This will not only improve your credit, but also help you apply for other loans in the future.
Therefore, for online loan users, it is very necessary to understand their online loans, sort out loans, and give priority to repaying formal and creditable loans. I hope the above information is helpful to you.