How long is the online loan overdue? How long will it take for online loans to return to normal?

Most online loans will give up collection after half a year's overdue, but some may still be collecting for a year or more, but the intensity of collection will be relatively weakened.

Online loan collection is usually divided into two stages:

The first stage is telephone collection.

From the very beginning, the borrower will be called or sent a text message for collection. When the overdue period exceeds 10, the platform will call the borrower's relatives and friends, including the reserved emergency contact number. It may also search the telephone number of the user's work unit and the government department where the household registration is located online, call to understand the user's situation, and entrust a text message to urge the borrower to repay.

The second stage is door-to-door collection.

If it is overdue for more than 3 months, the platform will hand over the user contract to the staff for collection, and the door-to-door collection will go to the borrower's domicile, work place and current address. If there is no one at home in the household registration area, you can also leave a letter to the government department of the household registration area. Family collection usually lasts for 3 months.

Money that can't be paid after half a year may be given up, but it doesn't mean it doesn't have to be paid back. Contracts with a large amount may be recovered through legal proceedings, and overdue settlement will always affect users' credit information.

These are all about how long it will take Bian Xiao to give up overdue collection of online loans and how long it will take online loans to return to normal life. Please pay attention to more financial tips.