You need to look at the rules of the online lending platform. Generally, there are two situations:

1. If the online loan is not connected to the central bank's credit information system, it will not be credited within the time limit. However, this kind of online loan will also have its own statistical system. If it has been overdue, it will also be blacklisted and may not be able to apply for other online loans in the future.

2. If the online loan is connected to the central bank's credit information system, it will be credited if it is overdue, just like a bank loan, so it is best to consult the platform customer service in advance, and if it is credited, it will be repaid on time.

Second, what will happen if the online loan is overdue?

1, telephone and door-to-door reminder

Generally speaking, if the final repayment date is more than three days, the lending institution still fails to wait until the repayment amount appears, and will call the borrower for information. Of course, borrowers can also take this opportunity to tell the truth and play a sympathy card for the grace period of repayment. However, if the arrears are delayed again and again, the lending institutions will no longer have hope. Only when they are disappointed, the next action is likely to be door-to-door collection.

2. Bring a lawsuit to the court

If the collection fails, the lending institution will take out legal weapons to safeguard its rights and interests. Under the way of mortgage loan, the court will advocate the auction of collateral, and the proceeds from the auction will be used to repay the remaining principal and interest, attorney fees, legal fees and other expenses in priority. If there is any surplus, it will be returned to the borrower in full. This is an easy process, but it may not be easy to do. It will take at least three months to cash in the assets. During this period, the borrower can raise funds to win the battle for assets, and use the funds to withdraw the lawsuit from the lending institution. With the convergence of credit loans, borrowers still cannot escape legal sanctions and need to repay loans with assets in their own names.

3. Personal credit is damaged.

Once a borrower has a loan transaction with a bank, all repayment behaviors will be recorded by the central bank's credit information system and truthfully reflected in the credit information report.

Borrowing money online is to use the Internet to establish a trading relationship online, which naturally belongs to the category of Internet finance. Generally speaking, if the final repayment date is more than three days, the lending institution will call the borrower for information if the repayment amount has not been reached. Of course, borrowers can also take this opportunity to tell the truth and play the sympathy card for the grace period of repayment.