What will happen if the online merchant bank can't afford it?

Legal analysis: you can communicate with the bank first and ask for an extension of the repayment date. According to the loan contract and guarantee contract (mortgage or pledge contract), the loan bank will bring a lawsuit to the court and take measures such as property preservation, including freezing the deposits in all bank accounts of itself and the loan guarantor and sealing up the pledged property. Arrears bear civil liability, not criminal law, so they will not bear criminal responsibility.

Legal basis: Article 236 of the Civil Procedure Law of People's Republic of China (PRC). A legally effective civil judgment or ruling must be fulfilled by the parties concerned. If one party refuses to perform, the other party may apply to the people's court for execution, or the judge may transfer it to the person subjected to execution for execution. Mediation and other legal documents that should be executed by the people's court must be fulfilled by the parties. If one party refuses to perform, the other party may apply to the people's court for execution.