Online loans will not be prosecuted, but generally they will not go to jail. Online lending belongs to private lending, and the accident is a civil dispute and does not turn into a criminal case, so it is generally not going to jail. Some people who are large in amount and deliberately overdue for a long time may be prosecuted. If the lender wins the case, the court will force you to repay by mortgage such as RV and deposit. If the lender does not own these properties, the court will restrict the borrower's high consumption, living needs and entry and exit. If the borrower insists on default and doesn't pay back the money after running away, the court will investigate his criminal responsibility, that is to say, he will go to jail, but most people can't do this. Failure to repay the online loan will lead to a bad personal credit record and affect your subsequent loan application. Moreover, after the online lending institution fails to repay the loan within the time limit, the staff of the institution will also collect it from you by telephone or SMS, which will affect your personal life. If the amount of arrears is large and serious, the platform can solve it through legal channels. At the same time, there will be a high penalty interest during the overdue period, which will cause you a burden. Borrowers who want to know their credit information can find out their online loan usage by using Xiaotian on WeChat, including detailed information such as comprehensive score and application record, as well as personal online loan big data. Just find this little program. If big data has been chaotic, it should be corrected in time to avoid a major impact on personal credit information.

What should I do if I owe money?

1. There are many ways to solve arrears disputes, including negotiation, mediation, arbitration and litigation. As long as it is used in time and properly, it will get twice the result with half the effort. However, because some creditors often drag on for too long in the negotiation stage in order not to harm peace, they miss many opportunities to recover debts.

2. Applying for payment order is one of the effective ways to recover the arrears. According to the provisions of China's Civil Procedure Law, if a creditor requests the debtor to pay money or securities, he may apply to the grassroots people's court with jurisdiction for a payment order: there is no other debt dispute between the creditor and the debtor; A payment order can be served on the debtor.

3. If the debtor fails to pay off the debt within 15 days after receiving the payment order from the people's court, or fails to raise a written objection to the people's court, the creditor may apply to the people's court for enforcement. It can be seen that the biggest advantage of applying to the people's court for a payment order to recover the arrears is that the time is short and the effect is quick. Of course, if the debtor raises a written objection to the people's court within the statutory time, it must be handled through litigation.

Legal basis: Article 193rd of the Criminal Law of People's Republic of China (PRC) commits one of the following acts. Whoever defrauds a bank or other financial institution of loans for the purpose of illegal possession, if the amount is relatively large, shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan, or his property shall be confiscated: (1) fabricating false reasons such as introducing funds and projects; (two) the use of false economic contracts; (3) using false documents; (four) the use of false proof of property rights as a guarantee or repeated guarantee beyond the value of collateral; (5) obtaining loans by other means.