1. Summarize debts: Overdue online loan users can see how much they owe, sort them all out, and then list them by category, including regular online loans that have a credit report and illegal online loans that do not. loan. Compare your income and liabilities, and first repay regular online loans that have a good credit score. Your personal credit score still needs to be remedied. Illegal online loans that do not have a good credit score do not need to be repaid, because they are illegal in themselves. As long as the loan debt is not too large, you can usually pay it off on your own in less than a year.

2. Negotiate repayment: If an online loan is overdue, negotiate with the platform if you can, and never lose contact. For regular online loans that are overdue, not only will the credit report be called, but also the address book will be called, so be sure to show your You must be willing to repay and have a good attitude when communicating with the platform. It’s just that you can’t repay it for the time being. Generally, there is still a chance for successful negotiation. In order to recover the principal, many online loan institutions will also notify the borrower to waive interest or only repay the principal. gold.

3. Don’t panic about collection: After an online loan is overdue, you will definitely encounter collection, and you will even encounter violent collection. At this time, everyone should normally answer one or two collection calls and don’t get entangled with the collection, otherwise you will just It will affect your emotions. You can ignore it completely if you encounter third-party debt collection. If you encounter violent debt collection, it is recommended that you keep relevant evidence and file a complaint on the official website of the China Banking Regulatory Commission.

4. Be honest: If the online loan is overdue, it is recommended to borrow money from relatives and friends. No matter what the reason is, try to communicate frankly with family and friends. Blindly procrastinating or concealing is a kind of self-worry, so you need to consider a repayment plan to ensure that you and your family's life is basically normal, and then discuss future matters.

5. Stop borrowing: Many users have the behavior of using loans to support loans. When the online loan is about to be overdue, in order to protect their credit and not be disturbed by debt collection, they will go to other online loans. Borrowing money to pay off this online loan, and continuing to use online loans, will cause the principal and interest of the online loan to snowball in the end. Therefore, do not use loans to support loans, and deal with them properly if they are overdue. You must understand your repayment ability.

6. Work hard to make money: The most important thing after the online loan is overdue is to work hard to make money. Don’t think that you won’t work if you are in debt. If even survival is a problem, let alone repaying debts, you must remember that if you encounter anything, you must learn to face it, and solving the problem through your own efforts is the most correct way.

Extended information: How to repay an overdue online loan?

If an online loan is overdue for three years, you can directly find the bank and repay it. If you do not repay the loan, you can sue, but whether there is a statute of limitations will be determined from the following circumstances:

1. For private loans with regular repayments, the statute of limitations is 3 years from the expiration of the repayment period. , if the time limit is exceeded, the right to request protection from the people's court will be lost.

2. For private loans with regular repayments, if the debtor fails to perform the debt after the expiration of the agreed period and issues an arrears note without a repayment date, the statute of limitations shall be deemed to have been interrupted, and the time limit shall be determined from the date of receipt of the arrears note. The statute of limitations (3 years) will be recalculated starting the next day.

3. Private loans with irregular repayments, that is, private loans without a stated repayment date, are not subject to the statute of limitations, but are subject to a maximum protection period of 20 years.

4. For irregular private loans, if the borrower clearly refuses to repay (of course, the borrower must provide evidence to prove that it has clearly stated that it will not repay), then the borrower will clearly refuse to repay. A three-year statute of limitations period shall apply from the date of subsection.

5. For private loans that have exceeded the statute of limitations, if both parties reach a repayment agreement on the original debt, or the borrower signs the reminder notice, it will be deemed as a re-confirmation of the original debt. This creditor-debt relationship should be protected by law.

2. What is the method to extend the statute of limitations for debt arrears?

“The statute of limitations is interrupted by the filing of a lawsuit, a request by one of the parties, or the agreement to perform an obligation. From the time of interruption, the statute of limitations shall The limitation period is recalculated. "In view of this, when the statute of limitations is about to expire, you can take the following 10 self-rescue measures to interrupt the statute of limitations and turn from passive to proactive to realize your rights.

1. Require the debtor to write down a repayment plan. Negotiate with debtors to develop a repayment plan or agreement. In this way, the statute of limitations starts to run from the expiration of the repayment plan performance period, thereby extending the statute of limitations that is about to pass.

2. Reconcile accounts with debtors.

It not only facilitates litigation but also extends the statute of limitations. The statute of limitations starts counting from the date of reconciliation.

3. Draft minutes of debt settlement talks with debtors. For units that cannot pay their debts for the time being, using this method will not harm the relationship, but can also take the initiative to clear the debts, and can also cause the statute of limitations to be recalculated.

4. Request the debtor to find a guarantor. The debt is guaranteed to be repaid within a certain period of time. If the debt is not repaid within the time limit, the guarantor will repay the debt. The statute of limitations will be recalculated from the date of expiration of the debt repayment period.

5. Find a third party to prove that the debtor has claimed the right; the statute of limitations will be recalculated from the date of claiming the right.

6. Keep evidence. Such as travel tickets, accommodation invoices, letters, telegrams, etc. when requesting to pay off debts, proving that rights have been asserted.

7. Yingxin Kuaicha, every time the debt is cleared, try to ask the debtor to pay the toll through Yingxin Kuaicha. The toll paid is deducted from the amount owed, which also extends the creditor's statute of limitations.

Loan procedures through online platforms are very convenient, so many people will directly take out online loans. Of course, online loans will involve repayment issues. If the repayments are not made on time during the repayment period, You need to bear certain liability for breach of contract, that is, you need to bear high penalties and interest. At the same time, you need to pay attention to filing a lawsuit in the People's Court, which should be filed within the three-year statute of limitations.