The installment loan of milk tea will not only generate high liquidated damages, but also leave a stain on your personal credit report, and you will also be sued for repayment, so the installment loan of milk tea cannot be repaid.

Article 671 of the Civil Code of People's Republic of China (PRC) stipulates that if the lender fails to provide the loan according to the agreed date and amount, thus causing losses to the borrower, it shall compensate for the losses.