Yes, it is a typical situation that online loans are overdue for only one year. The following are specific instructions:

1. According to China's "Lending Contract Law", creditors can pursue debts within a certain period of time after the loan defaults and adopt legal means to collect. This period is usually two years, but is not absolute.

2. Within one year, collection behaviors are relatively common, including phone calls, text messages, door-to-door collections, etc. At this time, collection agencies or creditors will actively use various means to urge the borrower to repay.

3. If the borrower fails to repay the debt within one year, the creditor may file a lawsuit through legal channels, apply to the court for execution procedures, and retroactively extend the validity period of the creditor's rights.

Summary:

In the case of overdue online loans, collection actions usually last for one year. However, this does not mean that you only have one year to pursue the debt. The specific recourse period is subject to legal provisions and loan contracts. In cases where the debt is overdue for a long time and the debt cannot be resolved, the creditor may take legal action to seek a solution.

Relevant information:

Depending on the actual situation and different regions, some online lending institutions or lending platforms with higher interest rates may take collection actions faster after overdue payments. In addition, other legal and policy factors may also affect the time limit and method of debt recourse, so borrowers are advised to understand and comply with relevant contracts and regulations in a timely manner.