The transfer of online loan creditor's rights is legal. Where a creditor transfers its creditor's rights, it needs to notify the debtor. If the debtor is not notified, the assignment is invalid for the debtor. And the transferred creditor's rights shall be legal and valid, and if the creditor's rights are transferred, its subordinate rights shall also be transferred.
Legal objectivity:
Article 545 of the Civil Code: A creditor may assign all or part of his creditor's rights to a third party, except in any of the following circumstances: (1) According to the nature of his creditor's rights, he may not assign them; (two) according to the agreement of the parties shall not be transferred; (3) It shall not be transferred according to law.