Legal analysis: the failure to repay the loan owed to the loan company is a civil dispute, and civil disputes will not go to jail. According to the relevant regulations, public security organs cannot intervene in economic disputes such as contracts and debts. After winning the case, a lending institution or bank may apply to the court for enforcement if it fails to perform the judgment of the local court during the performance period. When the court accepts the execution, it will inquire about the real estate, vehicles, securities and deposits under the lender's name according to law.

Legal Basis: Provisions of the Supreme People's Court on Several Issues Concerning the Application of Laws in the Trial of Private Lending Cases Article 26 If the interest rate agreed by the borrower and the lender does not exceed the annual interest rate of 24, the people's court shall support it. The interest rate agreed between the borrower and the borrower exceeds the annual interest rate of 36, and the interest agreement for the excess part is invalid. The people's court shall support the borrower's request to the lender to return the part of the interest paid that exceeds 36% per annum.