Small Loan sent me a text message asking me to prepare for court. What should I do?

If you have money, go and pay it back.

What they apply to the court for is not to set a date, but to sue you to repay the loan. After the court accepts the application, it will issue you a summons before the trial. Generally speaking, the cost of prosecution is high, and small loan companies will choose other collection methods. If the other party really sues and you refuse to repay, you may be blacklisted.

So it is recommended that you pay off the loan as soon as possible.