If the loan is not repaid, the creditor has the right to bring a lawsuit to the court and ask the debtor to repay it. However, the debtor only needs to repay the debt principal and interest with an annual interest rate of no more than 24%. If there is any excess, the debtor has the right to request the court to find it invalid.

If the repayment is overdue, there will be a lot of interest and it will be collected. I suggest not to borrow money easily if there is no emergency. If you borrow money, you should repay it in time to avoid some overdue expenses.