As the number of campus online loan platforms increases, there are more and more problems in campus online loan behavior of college students. This study aims to analyze campus online loan behavior of college students. The research results show that college students with strong delay of gratification have a lower degree of irrational consumption psychology and irrational consumption behavior. Irrational consumption psychology is significantly related to irrational consumption behavior. The delay of gratification, irrational consumption psychology and irrational consumption behavior of college students are significantly correlated with campus online loan behavior of college students.