If you owe an online loan and have not paid it back, you will generally not go to jail if you receive a letter from a lawyer.

If an online loan is overdue and unable to repay, the debtor should actively negotiate for repayment. If sued, the debtor should actively respond to the lawsuit and repay the debt in accordance with the court's judgment. The relevant laws of our country stipulate that the borrower should repay the loan within the agreed period. If there is no agreement on the loan period or the agreement is unclear, the borrower can repay it at any time; the lender can urge the borrower to repay it within a reasonable period of time.

Online lending includes individual online lending and online small loans. Individual online lending refers to direct lending between individuals through the Internet platform. Direct lending activities that occur on individual online lending platforms belong to the category of private lending and are regulated by relevant laws and relevant judicial interpretations of the Supreme People's Court.

Legal Basis

Article 667 of the "People's Republic of China and Civil Code" A loan contract means that the borrower borrows money from the lender and returns the loan and pays interest when it is due contract. Article 668 A loan contract shall be in written form, unless otherwise agreed upon for a loan between natural persons. The content of a loan contract generally includes terms such as loan type, currency, purpose, amount, interest rate, term and repayment method. Article 669: When entering into a loan contract, the borrower shall provide the true situation of business activities and financial status related to the loan as required by the lender. Article 678 The borrower may apply to the lender for an extension before the expiration of the repayment period; if the lender agrees, the extension can be made. Article 680 Lending at high interest rates is prohibited, and the interest rate for borrowing must not violate relevant state regulations.

If the loan contract does not stipulate the payment of interest, it will be deemed that there is no interest.

If the loan contract does not clearly stipulate the payment of interest, and the parties cannot reach a supplementary agreement, the interest shall be determined according to the local or parties' transaction methods, transaction habits, market interest rates and other factors; if the loan is between natural persons, it shall be deemed that there is no Interest. Article 674 The borrower shall pay interest according to the agreed period. There is no agreement or the agreement is not clear about the period for payment of interest, and it cannot be determined according to the provisions of Article 510 of this Law. If the loan period is less than one year, it shall be paid when the loan is returned; if the loan period is more than one year, It shall be paid at the end of each year. If the remaining period is less than one year, it shall be paid when the loan is returned.