As a fan of online literature, I don't have my own experiences and I don't have any actual feelings or events. But I can tell you some basic knowledge about online lending. Online lending was a method of providing loans through an online platform. The characteristics of the loan were relatively low, but the risk was relatively high. If you choose online lending, you need to pay attention to the following points: 1. Choose a formal platform: Choose a qualified financial institution for loans to avoid choosing illegal platforms or unapproved local loans. 2. Understand the interest rate and repayment method: Carefully understand the interest rate and repayment method to ensure that you can bear the repayment responsibility. 3. Look at the terms of the contract: Before signing the contract, you must carefully read the terms of the contract to understand the contents of the contract, especially the agreements on interest rates, repayment methods, and responsibilities for breach of contract. 4. Confirm repayment ability: before the repayment date, ensure that your financial situation is good and that you have sufficient repayment ability. 5. Protect your rights in time: If you are unfortunate enough to encounter fraud or breach of contract, you must report to the police or complain in time to protect your rights and interests. Although online lending was convenient, one needed to carefully choose a formal platform to understand the relevant risks and precautions, and pay attention to their repayment ability to avoid unnecessary losses.