For borrowers, the consequences of the collapse of Dafeiyun Loan are more complicated. On the one hand, borrowers cannot continue to repay through the cloud lending platform and need to find other repayment channels; On the other hand, borrowers can no longer get loans or other services from the cloud lending platform. The collapse of cloud loans leads to the disclosure or abuse of personal information of borrowers, which leads to more risks and troubles.

CMA will sue after three years overdue, depending on the creditor's decision and the provisions of laws and regulations. If the borrower fails to repay the loan for a long time, the creditor has the right to recover the debt from the borrower through legal channels. The borrower faces legal sanctions such as penalty interest, blacklisting of credit information, and enforcement.