How long will the online loan be sued if it is overdue?

It depends on the specific situation. If you sue, in most cases it will be two to three months after your overdue payment. Each platform has different regulations. It is recommended to repay as soon as possible, with high overdue fees, fancy platform collection and personal credit reporting.

Generally speaking, credit reporting agencies, large companies and formal companies will file lawsuits on online loans, such as Ant Flower Bank under Alipay, JD.COM White Bar and JD.COM Gold Bar under JD.COM, and Qianhua under Baidu. After a certain period of collection, there was no result, and the borrower could not be contacted, so they filed a lawsuit in court.

Legally speaking, if the borrower fails to repay the loan within the time limit, the lender has the right to sue the borrower and demand repayment. The limitation of action for prosecution is within 3 years after the agreed repayment date expires, that is to say, you borrowed the money from the other party, and the result has not been returned by the agreed repayment date, and the other party can bring a lawsuit to the court within 3 years. However, each platform has different standards for overdue prosecution. Generally, if it is overdue for two or three months to six months, the platform will bring a lawsuit to the court.

Extended information 1. Before repayment: In order to reduce the internal bad debt rate, the online lending platform will let internal employees inform you by SMS or telephone before the final repayment date, which will last for 2-3 days.

2. Within one week overdue: During this week, the debtor will be bombarded by various online lending platforms. If he refuses to communicate all the time, the insider will stop being polite and directly bomb your address book to inform your family and friends around you, so that people around you know that you are a person who owes money, and even deliberately send out some dirty pictures, which can be said to be "public punishment".

Overdue for three months: At this time, you have become a "stubborn and loyal" in the eyes of online lending platforms, so serial suspension is not feasible. At this time, the personal information originally filled in by the debtor will come in handy. The collection staff will expose your personal information in major media and send it to various post bars and QQ groups in groups. The collection at this stage usually lasts for 2 weeks.

Fourth, overdue for half a year: don't take it lightly, don't think that it will be safe after these three stages. In the previous collection stage, most of them were insiders of the online loan platform. When they think they can't take away your money, they will start looking for "foreign aid", that is, third-party outsourcing collection. This group is the fiercest, and all their energy is spent on collection. Patience is better than the average person. Everyone must be fully prepared.