Legal analysis: If you are unable to repay because of criminal detention, you should contact your relatives and friends as soon as possible and repay them in time. If you can't repay on time, you need to bear the corresponding liability for breach of contract, and you need to bear legal responsibility in serious cases.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 577 Where a party fails to perform its contractual obligations or fails to perform its contractual obligations in conformity with the contract, it shall be liable for breach of contract such as continuing to perform, taking remedial measures or compensating for losses.

Article 676 If the borrower fails to repay the loan within the agreed time limit, it shall pay the overdue interest in accordance with the agreement or the relevant provisions of the state.