If it has been overdue for more than one year, then pay back the money quickly to avoid further overdue, resulting in more penalty interest and more serious personal credit damage. Of course, if you can't pay off the loan temporarily, you can choose to contact the loan handling bank (or auto consumption finance company) for consultation to see if you can apply for extending the repayment period and repay the arrears in installments.
Legal objectivity:
Article 675 of the Civil Code, 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.