Legal analysis: The consequences of not paying off a mobile phone in installments are as follows: 1. Late fees and interest will be incurred. 2. Overdue will lead to collection by the borrowing institution. Affect daily life. 3. The credit report of the central bank at the overdue meeting. Affect the handling of subsequent credit business. 4. If the amount owed is relatively large, or the overdue circumstances are serious, it may be handed over to the judicial department for handling. Borrowers are advised to maintain good personal credit and not to be overdue.

Legal basis: Article 67 1 of the Civil Code of People's Republic of China (PRC). If the lender fails to provide the loan according to the agreed date and amount, thus causing losses to the borrower, it shall compensate for the losses.

If the borrower fails to collect the loan according to the agreed date and amount, it shall pay interest according to the agreed date and amount.