Legal analysis: the consequences of not paying back online loans: credit will be damaged, and being blacklisted will affect personal credit information; Penalty interest and liquidated damages, statutory interest and liquidated damages; Under the fancy collection of the platform, if it is overdue for a long time, the platform may also file a lawsuit.

Legal basis: Article 675 of the Civil Code of People's Republic of China (PRC) stipulates that the borrower shall repay the loan within the agreed time limit. If the term of the loan is not agreed or clearly agreed, and cannot be determined according to the provisions of Article 510 of this Law, the borrower may return it at any time; The lender may urge the borrower to return it within a reasonable period of time.