Legal analysis: Failure to pay the agency fee is a malicious debt, and this behavior is likely to be prosecuted by the intermediary and seriously added as a faithless person. If you don't pay back the money, whether online or in reality, you will bear overdue fines, face recovery, face a credit crisis, and may face litigation if you don't return it in time.

legal basis: article 675 of the civil code of the people's Republic of China, the borrower shall repay the loan within the agreed time limit. If the term of the loan is not agreed or clearly agreed, and cannot be determined according to the provisions of Article 51 of this Law, the borrower may return it at any time; The lender may urge the borrower to return it within a reasonable period of time.