1, overdue penalty interest: if the loan is not repaid on time, the borrower needs to pay overdue penalty interest, which is generally calculated according to a certain proportion of the loan principal.

2. Overdue collection: Lending institutions or third-party collection companies will ask borrowers to repay by telephone, SMS, door-to-door collection, etc. If borrowers still can't repay, they can take legal measures to recover their debts.