The ultimate goal of defrauding loans is not to return them, but to illegally possess them, which will lead to the crime of loan fraud and sentence them to different years of fixed-term imprisonment according to different quotas; If the loan is returned after fraud, criminal responsibility will generally not be investigated, and relevant lawyers need to be consulted for specific circumstances. Users must not cheat loans when applying for loans at ordinary times.

Users must submit real information when applying for loans, and repay them in time after handling loans. There should be no overdue, because there will be penalty interest after the overdue, and the longer the time, the more penalty interest. Moreover, the bank will make a dunning after the deadline. The common dunning method is to call the borrower.

After loans overdue handles it, it will be uploaded to the credit information center by the bank, which will lead to the deterioration of personal credit and the subsequent application for a loan will be rejected. Moreover, after the arrears are returned, the overdue records will continue to be retained in the credit report for 5 years, and will automatically disappear after 5 years. If not, it will always be recorded in the credit report.

Users can consult different banks when handling loans, so that they can know which bank has a low loan interest rate and then choose a low application. In this way, the interest paid after handling the loan is less, which is conducive to the subsequent repayment of arrears and is not easy to overdue. Finally, it can be returned in advance after loans overdue is disposed of.