Legal analysis: overdue will affect the following: 1, overdue will affect personal credit; 2. The most direct consequence of not paying back the credit loan is a high penalty interest, which may require you to pay a certain penalty; 3. If it is overdue, the lender will face various collections; 4. If it is overdue for a long time and the amount is large, the lender may be sued by a financial institution; If the circumstances are serious, you may go to jail. If the interest agreed between the borrower and the borrower in the loan contract does not violate the current state regulations and public order and good customs, it shall be protected according to law.

Legal basis: Article 29 of the Provisions of the Supreme People's Court on Several Issues Concerning the Application of Laws in the Trial of Private Lending Cases, the lender and the borrower have agreed on overdue interest rates, liquidated damages or other expenses. Lenders can choose to claim overdue interest, liquidated damages or other expenses, or both, but the people's court will not support the part that exceeds 4 times the listed interest rate of one-year loan market.