Why do online loans only accept complaints?

Legal analysis: There are several common reasons why some online loans only accept without prosecution: 1, the overdue amount is small, and the lending platform chooses to accept without prosecution considering the cost of prosecution; 2. In the process of lending, the lending platform has irregularities such as excessive interest, contract breach, and lack of lending qualification.

However, this does not mean that online loans will not be prosecuted if they are overdue. For those licensees with interest compliance, suing overdue users will get the support of the court, which is also one of the important ways to reduce the bad debt rate.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 667 A loan contract is a contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.

Article 680 usury is prohibited and the loan interest rate shall not violate the relevant provisions of the state. If there is no agreement on the payment of interest in the loan contract, it shall be deemed that there is no interest. If the loan contract does not specify the payment method of interest, and the parties cannot reach a supplementary agreement, the interest shall be determined according to the local or the parties' trading methods, trading habits, market interest rates and other factors; Loans between natural persons are regarded as interest-free.