Reason:

1. Default: Breaching the loan contract within the time limit is a breach of contract, and the borrower may face legal liabilities.

2. Recovery of creditor's rights: If the borrower fails to repay the loan within the time limit, the lender has the right to recover the creditor's rights through legal means, including suing the borrower for repayment.

3. Legal protection: China laws provide support for creditor's rights protection, and lenders can protect their rights and interests by suing overdue borrowers.

Summary:

Loans overdue may lead to prosecution, because the lender has the right to pursue the creditor's rights through legal means for violating the loan contract. The borrower should repay the loan in time to avoid legal disputes.

Extended data:

According to China's relevant laws and regulations, overdue borrowers may face penalties such as penalty interest and late payment fees, and may be affected by credit records. In addition, some local regulations may have special requirements for overdue online loans. Please consult local legal professionals for details. It is important that borrowers should carefully read and understand the loan contract before applying for online loans, ensure that they have the ability to repay on time, and abide by relevant laws and regulations.