Generally speaking, for 360 loans overdue, 360 loans will only be prosecuted if they are maliciously overdue. Specifically, when they are overdue, there is no clear time for prosecution. Usually after half a year overdue, the risk of being sued will be great.

After being sued by the 360 loan, the court will file a lawsuit against the user. If the user cannot repay the loan, the borrower's property will be sealed up first until the loan is paid off. If it is more serious, the borrower will be sentenced to jail.

Article 675 of the Civil Code of People's Republic of China (PRC) * * * The borrower shall repay the loan within the agreed time limit.

If the term of the loan is not agreed or clearly agreed, and cannot be determined according to the provisions of Article 510 of this Law, the borrower may return it at any time; The lender may urge the borrower to return it within a reasonable period of time.