1, being collected.

After the small online loan is overdue, the first thing the borrower has to experience is to be collected. Small-scale online loan collectors often use radical collection methods, such as telephone bombing, SMS threat, address book explosion, contact with family members, door-to-door collection and so on.

If it is overdue for a long time, the collection of small online loans will cause family life pressure to a certain extent, and even affect the normal life of individuals and families.

2. Penalty interest

After loans overdue, the borrower's overdue bills will start to generate penalty interest. The specific amount of penalty interest is charged according to the contract. Generally speaking, overdue penalty interest is relatively high. Coupled with the need to repay the loan principal and interest, the pressure on borrowers will only increase.

3. Personal credit information is damaged

After loans overdue, the borrower's credit will be damaged by loans overdue. Bad credit records will seriously affect the daily life of borrowers, and applying for any credit services will be restricted. If it is serious, it will be prosecuted to the court. If you are included in the "list of untrustworthy executors", it will be more troublesome to travel by plane or high-speed rail in the future.

Online loan big data can reflect the real situation of online loans. If there are too many loans, it is recommended to know your credit data well. Search: Xiaoqi credit search can generate big data reports. Although there are differences between the two, in order to avoid personal inability to repay bad debts, bank loans will also pay attention to the credit situation of big data. Bad credit will affect many rights.

Extended data:

What will happen if online loans can't be used?

If the online loan is not repaid, it will have the following adverse consequences:

1. A penalty interest will be charged from the overdue date until all arrears are paid off. The longer the overdue period, the more accumulated penalty interest (note that the overdue penalty interest rate charged by some online loans will be higher than the normal loan interest rate).

2. The system will report the overdue situation to big data, and some online loans will be connected to the central bank's credit information, so they will also be reported to the central bank's credit information, leaving a bad record in it, resulting in personal credit damage.

3. The platform will send text messages and call for dunning. If there is no response to the text message and phone call, relevant personnel may be arranged to come to the door for dunning, and even a lawsuit may be filed in court.

4. Due to credit problems, the subsequent handling of credit business will be hindered, and it will be difficult to successfully handle it in a short time.

Therefore, I suggest that you always remember to repay the loan on time after borrowing it, and never fail to pay it back after the deadline. Of course, if the interest fees charged by online loans are too high, the interest fees beyond a reasonable range can be chosen not to be returned.

What are the consequences of online lending?

Applying for online loans will affect personal credit information, which is mainly reflected in the number of inquiries made by online loan companies about your credit information and the number of applications you have made. Next, I will explain it to you from the following points:

First, applying for this kind of loan will affect your loan in the bank.

Second, the interest rate for applying for such loans is higher.

Third, there are limited repayment options for applying for such loans.

Fourth, the amount of such loans is low.

1. If the online loan is not repaid on time, the overdue record will be submitted to the credit information system to leave a bad record. The more serious the overdue situation, the greater the impact on credit reporting. In particular, it has been overdue for three consecutive years in two years and belongs to a proper black household. Even if the arrears are paid off later, it will take five years to recover. If you apply for credit business again during this period, whether it is a credit card or a loan, you will be directly rejected.

2. Online lending has no self-control. When people saw what they were applying for, they applied for more than a dozen loans in just a few months. Even if any one of them succeeds, there are too many loan approval records on the credit investigation, which will have a bad influence on the credit investigation. Such people will be rejected if they apply for loans or credit cards again. It is best to spend 3-6 months to improve the credit information.

The consequences of non-repayment of small loans are as follows:

1. Bad credit records will affect future loans and credit cards, and future mortgages and car loans will be affected.

2. You can't enjoy preferential loans or even apply for loans.

3, close the blacklist, children can not go to key schools, and there will be more penalties in the future. It can be said that life will be difficult.

4. If the personal career is affected and overdue for more than 90 consecutive days and the circumstances are serious, the bank or school will publish the ID number and overdue information in the media or notify the work unit.

5. If the circumstances are serious, they will be punished by law.

legal ground

According to Article 3 13 of the Criminal Law, those who refuse to execute the judgment or ruling of the people's court, if the circumstances are serious, shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or fine; If the circumstances are especially serious, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than seven years and shall also be fined.

Applying for online loans will not affect personal credit information, but if the number of online loans is too frequent and multiple platforms apply at the same time, it may lead to more credit information and affect everyone's future loans. The specific situation needs to be determined by combining everyone's online loan repayment and loan times.

Personal basic information, including name, certificate type and number, mailing address, contact information, marital status, residence information, occupation information, etc. ;

What if the small loan is not repaid?

Consequences of non-repayment of small loans:

1. If it is really unable to repay, it shall negotiate with the credit company to extend the repayment period or return it in installments.

2. If the credit company fails to perform the court's judgment within the performance period after suing the court and winning the case, it will apply to the court for enforcement.

3. When accepting enforcement, the court will inquire about the real estate, vehicles, securities and deposits in the name of the lender according to law.

4. If the lender refuses to perform the effective judgment of the court because there is no enforceable property under his name, negative information such as overdue repayment will be recorded in the personal credit report, which will restrict high consumption and entry and exit, and may even lead to judicial custody.

5. Refusing to execute a judgment or ruling is suspected of refusing to execute a judgment or ruling.

Legal basis: the crime of refusing to execute a judgment or written order in Article 313 of the Criminal Law of People's Republic of China (PRC). Whoever refuses to execute the judgment or ruling of the people's court, if the circumstances are serious, shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or a fine.