1. Credit record damage: Failure to repay online loans on time will lead to negative impact on personal credit record. This may make it difficult for you to apply for other loans, credit cards or rent a house in the future.

2. Collection action: After the borrower's overdue repayment, the creditor usually takes collection measures, such as telephone collection, sending a lawyer's letter or entrusting a professional collection agency. These behaviors may cause harassment and stress and increase the repayment amount.

3. Increase interest and late fees: Loan contracts usually stipulate that overdue repayment requires additional interest and late fees. Failure to repay debts in time may lead to debt growth and increase economic burden.

4. Legal proceedings: Creditors have the right to bring a lawsuit to the court to recover debts. If the case is upheld, the court may decide to take measures such as asset seizure, enforcement or wage seizure.

5. Being included in the list of untrustworthy: If the circumstances are serious, the borrower's unpaid online loan may be included in the credit blacklist or the list of untrustworthy enforcers. This will have a long-term impact on daily life, work and financial activities.

Summary:

Unpaid online loans will lead to damage to credit records, collection actions, increase in interest and late fees, legal proceedings and inclusion in the list of untrustworthy. It is suggested that borrowers develop good repayment habits to ensure timely repayment of debts and avoid unnecessary problems and risks.

Extended data:

Outstanding online loans may vary from region to region, and the specific consequences should refer to the relevant laws, regulations and contractual agreements of China. In addition, individual cases may involve criminal offences, such as suspected fraud or illegal fund-raising, but the specific case needs to be determined according to relevant details. If you are in trouble, please seek professional legal advice in time.