We can negotiate. If the repayment is overdue for three years, the repayment person may still negotiate with the auction loan. Specifically, the following aspects can be considered:

1. Contact Paipai Loan: The repayment person can take the initiative to contact Paipai Loan to express his willingness to repay, and explain the reasons for not repaying in recent three years. Through the communication with the auction loan, the two sides can negotiate a solution to minimize the burden on the repayment person.

2. Explore the repayment plan: the repayment person can propose a reasonable repayment plan, explain his current economic situation and ability, and propose a method of gradually repaying the arrears. This can show the sincerity of the repayment person and increase the possibility of negotiation with the loan.

3. Seek assistance from a third party: The repayment person may consider seeking assistance from a third party, for example, through the intervention of a lawyer or a credit intermediary to help negotiate with the auction loan. The participation of the third party can provide more objective views and solutions, and help the repayment person reach an understanding with the auction loan.

In short, if the repayment is overdue for three years, the repayment person can negotiate with the loan, but he needs to show sincerity and put forward a reasonable repayment plan. At the same time, the repayment person can also seek the assistance of a third party to help both parties find a solution. This can improve the possibility of negotiating with auction loans and find a relatively suitable solution to the overdue problem.

Extended data:

Paipai Loan is a P2P lending platform in China, which provides financial services such as consumer credit and microfinance. Auction loans require borrowers to repay on time, and overdue repayment may lead to increased interest or other fines. In the face of repayment difficulties, the borrower can negotiate with the lender, put forward a reasonable repayment plan and find a solution. The handling of overdue issues may vary according to individual circumstances. It is suggested that the borrower contact Paipai Loan as soon as possible to find a solution.