1. Negotiation, after the agreed repayment period expires, both parties can negotiate repayment by installments;

2. Litigation mode. If no agreement can be reached, the creditor may bring a civil lawsuit to the court with evidence such as ID card, household registration book, complaint and payment slip.

3. Payment instructions. Creditors can also directly apply to the court for a payment order to claim the arrears. This method is low in cost, but easy to fail, and then resort to litigation.

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Legal basis: Article 678 of the Civil Code of People's Republic of China (PRC).

The borrower may apply to the lender for extension before the repayment period expires; If the lender agrees, it can be extended.

Article 674

The borrower shall pay interest at the agreed time limit. If the time limit for paying interest is not stipulated or clearly stipulated, and cannot be determined according to the provisions of Article 510 of this Law, if the loan period is less than one year, it shall be paid together with the loan; If the loan term is more than one year, it shall be paid at the end of each year; if the remaining term is less than one year, it shall be paid together with the loan.

What are the consequences of defaulting on loans?

1, penalty interest, whether it is a loan or a credit card, credit products will stipulate the repayment period, and then calculate the penalty interest in proportion, which is generally 1.5 times of the contract interest rate, and the penalty interest of bank loans will be lower than that of private loans;

2. Poor credit information. Now most credit products will receive credit information. Loan default will lead to poor credit reporting and leave overdue records. It is difficult to buy a house in the future, to apply for a car loan, and to apply for a credit card;

3. Business is difficult. If the credit is poor due to loan default, it will be difficult to apply for loans in bank financial institutions in the future. Even if you can get another loan, you won't enjoy the preferential treatment of financial institutions, the interest will be higher than others, and the amount will be lower than others.

4, prosecution, if the loan amount is relatively high, then it does not rule out that the bank will take legal measures to protect rights, once sued to the court, still refused to repay, the court may enforce.