If the online loan cannot be repaid within the time limit, it is recommended that the customer take the initiative to explain to the platform customer service that he is temporarily unable to repay, and prepare relevant materials to prove that he has no intention to repay, and then try to apply for extending the repayment period and repaying in installments. The platform should be considered as appropriate. If it is finally agreed, the customer can negotiate a new repayment plan with the platform, and then repay the loan in installments on time according to the new plan. However, the platform may also refuse. If negotiation fails, customers can only find another way, such as trying to borrow money from family and friends around them. It should be noted that some online loans are informal, and may be deliberately charging high interest. Once customers find that their online loans have reached the standard of usury, they can actually choose not to pay back the fees beyond a reasonable range. If the platform keeps dunning, customers can also collect relevant evidence and report it to the local CBRC or China Internet Finance Association.