2. How to deal with the loan owed for the time being? 1. Explain your situation to the lending institution, apply for extension, and extend the repayment time; 2. Apply for another loan fund from the lending institution, and use this fund to repay the loan first to avoid overdue; 3. If the remaining repayment amount is not large, you can borrow money from friends and relatives for turnover, and then pay back the money to friends and relatives.
Third, what are the consequences of overdue online loans
1. Penalty interest and liquidated damages If the loan is not repaid, the first thing you will encounter is high interest and corresponding liquidated damages. If you don't want to get yourself into the loan quagmire, you'd better develop a good repayment habit.
2. Credit will be damaged. Whether borrowing money from banks or online lending platforms, it will be much more difficult to apply for credit cards or loans in the future if there is overdue repayment. Some people think that overdue repayment of online loans has no effect on their credit. In fact, this idea is wrong. At present, the online lending platform and the central bank have an interconnected encryption system. On the online lending platform, there will be a set of * * * *, enjoying the "blacklist" system, and you can find your credit information in one minute.
3. If the circumstances are serious, you will go to jail. Usually, if you borrow money and don't pay it back, this kind of incident is a civil dispute, and it has not risen to the criminal level. However, if the borrower refuses to implement or has the ability to pay back, and is identified as a bad person, then the court can investigate the criminal responsibility of the borrower, and if the circumstances are too serious, he will go to jail. If the online loan is overdue, it must be handled in time. You can negotiate with the online loan platform. If I can't negotiate, I can ask a lawyer to help me, but the premise is to pay the lawyer's fee. Only after the two parties negotiate, the lawyer will negotiate for himself and try to help the debtor negotiate a repayment method within the scope of personal affordability.