Do I always reply to the news that online loans send text messages to negotiate repayment?

If you forget to return it after the deadline, there is no need to reply.

If it is unable to repay within the time limit, it can be replied. Generally speaking, in addition to informing the overdue situation, the content of the collection message will also write a sentence "If you need help, please call * * *" at the end, which means that it can provide an opportunity for negotiation, so you can reply. According to their own economic conditions and repayment ability, explain the special circumstances and reasons, strive for a grace period and agree on the repayment time.