1. overdue fees: according to the contract, the borrower needs to repay the loan on time and pay the corresponding interest and fees. Failure to repay the loan on time will start to accumulate overdue fees. Additional expenses include late fees, penalty interest, etc. This increases the cost of borrowing.

2. Being investigated for legal responsibility: If the borrower fails to repay the loan on time, he should take the initiative to contact relevant institutions or platforms to explain the difficulties he faces. Individual platforms will provide grace periods or negotiate flexible repayment plans to help borrowers tide over the difficulties. If you can't fulfill your contractual obligations for a long time and don't actively communicate solutions, you will face serious consequences of being investigated for legal responsibility.