Doesn’t the loan need to be repaid after the statute of limitations has passed? The statute of limitations stipulated in the Civil Code is generally three years, that is, starting from the loan maturity date. If the loan platform does not ask the lender to repay the loan within three years, then the lawsuit will not be protected by law in the fourth year. If repayment is made during the period, the statute of limitations will be recalculated from the date of filing. The purpose of the statute of limitations is only to request the people's court to protect civil rights, but it does not mean that there is no need to repay the debt. The Civil Code also clearly stipulates that repayment of debts is a matter of course. As long as the debt relationship between the two parties has not been terminated and the lender does not return the money to the loan platform for one day, he will be responsible for the repayment. The loan platform can also adopt various methods to collect collection at any time. You can still file a lawsuit after the statute of limitations has expired, and the court will accept it, but you will lose your right to win the lawsuit substantively. If the borrower uses the statute of limitations as a defense, the loan platform may lose the lawsuit and will have to bear litigation costs, attorney fees, etc., not to mention not getting the money back. However, under normal circumstances, once the loan platform fails to repay the loan on the repayment date, it will require the borrower to repay through various collection methods, so basically the 3-year statute of limitations does not apply, because in this case, the lawsuit The statute of limitations will not expire until the debt is paid off. The above is the relevant introduction of "Does the loan not have to be repaid after the statute of limitations has passed?", I hope it will be helpful to everyone.