Will online loans still find a home?

No, the common collection methods are: SMS notification, which is generally used when the overdue days are short and not more than one week. Tell by phone, start calling yourself and ask how long it will take to repay. Contact the list on the address book, start SMS bombing, and insult the debtor in online forums such as post bars.

Article 675 of the Civil Code of People's Republic of China (PRC)

The borrower shall repay the loan within the agreed time limit. If the term of the loan is not agreed or clearly agreed, and cannot be determined according to the provisions of Article 510 of this Law, the borrower may return it at any time; The lender may urge the borrower to return it within a reasonable period of time.