1. Interest expense: even if there is no withdrawal, the interest calculated according to the quota will still be accumulated. The borrower needs to repay the interest on time, otherwise there will be overdue fees.

2. Credit history: Failure to repay on time will have a negative impact on the borrower's credit history. This may lead to a decline in credit scores, making it more difficult for them to obtain other loans in the future.

3. Collection behavior: If the borrower fails to repay the loan on time, the lender may take collection measures, including telephone collection and door-to-door collection, which increases the pressure and trouble of the borrower.

4. Legal risk: overdue repayment may lead to legal disputes. According to relevant laws and regulations, the lender has the right to recover the loan principal and the corresponding interest and expenses.

To sum up, even if the online loan is not fulfilled, the borrower still needs to repay it on time. Otherwise, it will face interest expenses, credit record decline, collection behavior and potential legal risks. Borrowers are requested to keep good repayment habits and avoid unnecessary economic and legal problems.

Extended data:

Overdue repayment may damage the borrower's credit record and affect his future loan application and interest rate. According to the Contract Law of People's Republic of China (PRC) and the Regulations on the Administration of Credit Information Industry of People's Republic of China (PRC), if the borrower fails to repay the loan within the time limit, the lender has the right to take legal collection measures and report relevant information to the credit information agency. Therefore, timely repayment is an important measure to maintain personal credit and avoid unnecessary trouble.