If the loan has been paid off and the contract has been fulfilled, there is no way to get it back smoothly. It may be because the repayment period has exceeded or the other party has constituted a breach of contract. If the other party violates the law, they can sue. Legal basis: Article 119 of the Civil Procedure Law must meet the following conditions: (1) The plaintiff is a citizen, legal person and other organization that has a direct interest in the case; (2) Having a clear defendant; (3) Having specific requests, facts and reasons; (4) It falls within the scope of civil litigation accepted by the people's court and is under the jurisdiction of the sued people's court.