1. The online loan company will negotiate first, repay the loan in installments, or relieve the pressure;

2. Have the ability to repay as soon as possible, or provide a guarantor;

It is impossible to transfer files, which is deceptive.

The consequences of not repaying the loan are as follows:

1, the loan is not a civil dispute and will not go to jail. If the bank brings a lawsuit to the court and the debtor fails to perform the court judgment after the court judgment, the bank may apply to the court for compulsory execution;

2. If the debtor has the ability to perform the judgment and refuses to execute it, if the circumstances are serious, it will constitute the crime of refusing to execute the judgment. If it is really difficult to perform, the court will also extend the performance time;

3, but the loan will not affect personal credit, it will affect future loans; Moreover, if the situation is serious, it will be included in the list of untrustworthy people and limit high consumption.

Overdue online loans will have the following adverse effects:

1. From the overdue date, collect overdue penalty interest until the arrears are paid off. The penalty interest rate charged by some lending platforms may be higher than the normal lending rate. The longer the overdue time, the penalty interest will be generated and the repayment burden will become heavier and heavier;

2. The overdue situation will be submitted to big data by the loan platform system, and some will access the central bank's credit information, so it will also be reported to the central bank's credit information, leaving a bad record in it, resulting in personal credit damage;

3. The loan platform will send text messages and call for dunning. If they can't contact the borrower, they will call their emergency contacts, some will call their relatives and friends in the address book, and some will even come to collect money. If there is no response to repeated collections and the amount of arrears is large, the loan platform can also sue;

4. Due to the credit problem, the subsequent handling of credit business will inevitably be hindered, and it is estimated that it will be difficult to successfully handle it in a short time.

To sum up, loans overdue will charge extra interest and may be sued, and negotiate repayment in time. If the borrower fails to repay the loan within the agreed time limit, it shall pay overdue interest in accordance with the agreement or relevant state regulations.

Legal basis:

Article 675 of the Civil Code of People's Republic of China (PRC)

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.