An interactive online funding method includes providing an interactive online funding platform, offering an interactive funding activity for a user to participate in the interactive online funding platform, by placing a bid, and comparing the bid price of the user with a threshold price set by the interactive online funding platform. When the bid price is greater than or equal to the threshold price, the method further includes utilizing the interactive online funding platform to perform settlement and liquidation to remit a loan amount to the user according to at least the bid price; when the bid price is lower than the threshold price, the method further includes utilizing the interactive online funding platform to perform settlement and liquidation to receive a deposit amount from the user according to the bid price.