Overdue loans are threatened by SMS.

Legal analysis: you can call the police if you are harassed by a small loan company. If you are not a borrower and are often harassed by small loan companies, you can choose to report to the police station or complain through other means. If it is because of malicious harassment by small loan companies within the time limit, it is best to pay off the arrears first. If you are harassed after paying off, you can also call the police to solve it.

Legal basis: Article 6 of "Several Opinions of the Supreme People's Court on People's Courts Handling Loan Cases" can be higher than the bank's interest rate, and local people's courts can specifically grasp it according to the actual situation in the region, but the maximum shall not exceed 4 times (including interest rate) of the bank's similar loan interest rate. Beyond this limit, the excess interest will not be protected.