As long as the online loan is overdue and the party fails to repay in time, the lender has the right to sue the lender for repayment. If the people's court meets the conditions for prosecution after examination, it shall file a case within seven days and notify the parties concerned.

The prosecution must meet the following conditions: the plaintiff is a citizen, legal person and other organization that has a direct interest in the case; There is a clear defendant; There are specific requests, facts and reasons; It belongs to the scope of civil litigation accepted by the people's court and the jurisdiction of the people's court under appeal. The prosecution shall submit a complaint to the people's court, and submit copies according to the number of defendants. The complaint shall contain the following items: the plaintiff's name, gender, age, nationality, occupation, work unit, domicile and contact information, the name and domicile of a legal person or other organization, and the name, position and contact information of its legal representative or principal responsible person; Information such as the defendant's name, gender, work unit and domicile, and information such as the name and domicile of a legal person or other organization; The request and the facts and reasons on which it is based; Evidence and sources of evidence, names and residences of witnesses. Where mediation is applied to a civil dispute brought by a party to a people's court, mediation shall be conducted first, unless the party refuses to mediate. The people's court informed the defendant to submit a reply and held a court session on time.

Legal basis:

Article 119th of the Civil Procedure Law of People's Republic of China (PRC)? Article 163.