Legal analysis: the payment letter received by online loans is only a collection method of online loans. At this time, users only need to take the initiative to contact the collection agency, indicating that they will repay as soon as possible, and the collection letter will be ignored. Of course, if you receive a collection letter indicating that the lending institution knows the specific address of the user, if the user insists on not repaying the loan, you may encounter offline collection.

Therefore, the arrears of online loans must be repaid on time, otherwise it will not only affect the collection, but also lead to poor credit information, and it will be difficult to handle credit business in the future.

Legal basis: Article 188 of the Civil Law of People's Republic of China (PRC) requests the people's court to protect civil rights, and the limitation of action is three years. Where there are other provisions in the law, those provisions shall prevail. The limitation period of action shall be counted from the date when the creditor knows or should know that the right is damaged and the debtor knows it. Where there are other provisions in the law, those provisions shall prevail. However, the people's court shall not protect the rights that have been damaged for more than 20 years. Under special circumstances, the people's court may decide to extend the time according to the application of the obligee.