The online loan sent a text message saying that it passed the case review.

Legal analysis: Be especially careful to prevent being cheated. But if you are in debt, you still have to pay it back in time. It is a civil dispute, and the general public security bureau will not file a case. It is recommended to negotiate repayment as soon as possible. If the annual interest rate exceeds 24%, you can ask not to return the excess.

Legal basis: People's Republic of China (PRC) Criminal Law.

Article 193 The crime of loan fraud refers to the act of fabricating false reasons such as introducing funds and projects, using false economic contracts, false certificates, false certificates of property rights as guarantees, repeatedly guaranteeing beyond the value of collateral, or defrauding banks or other financial institutions of a large amount of loans by other means. The crime of loan fraud belongs to a kind of financial crime.

Article 266 The crime of fraud refers to the act of fabricating facts or concealing the truth for the purpose of illegal possession, and defrauding a large amount of public or private property. The object of the crime of fraud is not to defraud other illegal interests. Its goal should also exclude loans from financial institutions.

Paragraph 2 of Article 25 of the Provisions of the Supreme People's Court on Evidence in Civil Proceedings bears the burden of proof for matters that need to be identified. If a party fails to file an application for appraisal or pay the appraisal fee in advance or refuse to provide relevant materials within the time limit specified by the people's court without justifiable reasons, resulting in the case in dispute not being identified through the appraisal conclusion, it shall bear the legal consequences of not being able to prove the fact.