The online loan is overdue and the home visit is not at home. Do parents have the right to refuse?

If the online loan is overdue and the borrower is not at home during the home visit, do parents have the right to refuse? According to the law, the loan contract is a legal relationship, and the debtor should bear legal responsibility for the loan. Parents, as family members of borrowers, basically have no right to refuse to perform repayment obligations instead of borrowers.

However, it should be noted that there are some special circumstances in the application of the law and parents may be protected. The specific situation needs to be judged according to local laws and regulations and specific loan agreements.

To sum up, even if the borrower is not at home, parents generally have no right to refuse repayment. If the borrower fails to repay the loan on time, he should immediately contact the loan platform or relevant parties to explain the situation and discuss the solution with the other party as soon as possible. In this process, if the borrower is unable to communicate in person for some reason, he can entrust an agent or a legal professional to communicate on his behalf.