(1) Online loans are divided into credit loans and credit loans, and the repayment is mainly based on credit loans. Just like a credit card, the credit card holder negotiates with the staff to make a fixed repayment to ensure that he will pay back the money, and records the whole process.

(2) If you don't get credit information, people will not sue you so freely. It is illegal for the interest rate to exceed 4 times (excluding fluctuation) the loan interest rate of financial institutions of the same grade in the same period announced by the People's Bank of China. If you are sued, the final result will be to repay the principal through negotiation.

(3) When negotiating repayment with banks and loan companies, the other party will answer the phone and come to see him when he comes to you. Never don't answer the phone, don't hide from people, or the other party will call the police and think it is fraud, and it is really possible to go to jail. The relevant provisions in the "Several Provisions of the Supreme People's Court Municipality on Publishing the Information of the List of Executed Persons with Dishonesty": If the executed person fails to fulfill the obligations specified in the effective legal documents and has one of the following circumstances, the people's court shall include him in the list of executed persons with dishonesty and impose credit punishment on him according to law: (1) Failing to fulfill the obligations specified in the effective legal documents;

1, has the ability to perform but refuses to perform the obligations specified in the effective legal documents;

2. Obstructing or resisting execution by forging evidence, violence or threats;

3. Evading execution by means of false litigation, false arbitration or concealing or transferring property;

4. Violation of the property reporting system;

5. Violation of consumption restriction orders;

6. Refusing to perform the settlement agreement without justifiable reasons.

Legal basis:

Provisions of the Supreme People's Court Municipality on Restricting the High Consumption and Related Consumption of the Executed Person

Article 3. If the person subjected to execution is a natural person, after taking measures to restrict consumption, he shall not engage in the following high-consumption and non-essential consumption behaviors: (1) When taking transportation, he shall choose the second-class or above cabin of plane, train and ship;

(two) high consumption in hotels, hotels, nightclubs, golf courses and other places above the star level;

(three) the purchase of real estate or new construction, expansion, high-grade decoration of housing; Lease high-grade office buildings, hotels, apartments and other places to work;

(5) Purchasing non-essential vehicles;

(6) Travel and vacation;

(seven) children attending private schools with high fees;

(8) Paying high premiums to purchase insurance wealth management products;

(9) Non-essential consumption behaviors such as taking all seats of G-prefix EMU trains and seats above the first class of other EMU trains.