How often do online loans urge you to repay?

1. After three days overdue, I will send you a text message to ask you to repay.

2. If it is overdue for 7 days, the customer service lady will call you and gently tell you, sir, that your xxxx is overdue and it's time to repay.

3. After one month overdue, the platform will hand it over to a third-party collection company for collection, usually by telephone, and then expose the address book, threaten and intimidate, and mail the so-called lawyer's letter. In short, let you achieve the purpose of repayment.

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

Many people will be overdue after applying for online loans, and they are worried that they will be sued if they are overdue. Then, how long will the online loan be sued if it is overdue?

The law clearly stipulates that in loans overdue, the lender has the right to sue the borrower and demand repayment. However, different online lending platforms have different standards for overdue prosecution. Some online lending platforms claim that they will sue after two or three months overdue, while others claim that they will file a lawsuit in court after half a year.

Because the statute of limitations for repayment in loans overdue is within 3 years of the agreed repayment date, that is to say, if the loan is overdue on the agreed date, you can bring a lawsuit at any time within 3 years.

Although each online lending platform has different standards for overdue prosecution, people should also learn to distinguish between what is a real lawsuit and what is just a threat.

For example, some formal large-scale online lending platforms, such as Ant Borrowing and JD.COM White Bar, are more likely to bring a lawsuit to the court after the deadline.

However, some small loan platforms themselves are likely to be illegal. Most of these online loans are just a means of collection, in order to let borrowers repay as soon as possible.

However, this does not mean that everyone can be overdue at will, everyone is equal before the law, and both lenders and platforms have the right to safeguard their legitimate interests.