I got a text message from loans overdue, but I don't have a loan.

Legal analysis: if you haven't borrowed money, you can ignore it and don't have to bear the responsibility of repayment. It is recommended to check at the bank outlets and call the police if necessary.

Legal basis: Article 676 of the Civil Code of People's Republic of China (PRC). If the borrower fails to repay the loan within the agreed time limit, it shall pay overdue interest in accordance with the agreement or relevant state regulations.