Will Alipay go to jail if it is overdue for 3 years, Zhihu?

Alipay will not go to jail after 3 years overdue.

Applying for a loan in Alipay, whether using a flower bud or borrowing a flower bud, is a private loan.

In private lending, no matter how much money is owed, the debtor basically bears civil liability and does not need to bear criminal responsibility.

In other words, in private lending, the debtor is less likely to be punished.

If you want to reach the point of punishment, you first need the debtor to be overdue for too long, and then Alipay chooses to sue the debtor.

After being sued by the court, the debtor will be forced to repay, and the debtor has the ability to repay but still refuses to repay.

At this time, the court will list the debtor as an executor of bad faith.

After the debtor becomes a faithless person, the court will freeze the assets under the debtor's name and use them for repayment after verification.

If the court finds that the debtor is suspected of transferring property after being sued, and the transferred property reaches 20 thousand yuan, then the debtor needs to bear criminal responsibility and be sentenced to fixed-term imprisonment of not more than 7 years.

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Will Alipay sue if it is overdue?

Whether Alipay will be prosecuted after loans overdue depends on the specific situation.

If the overdue time is less than three months, it will naturally not be prosecuted.

Because the deadline is generally three months, Alipay has the right to sue.

If it is overdue for three months, Alipay will generally not sue immediately.

After all, in real life, because litigation takes a lot of time and energy, Alipay will not sue easily.

Unless it is really overdue for a long time, the amount of arrears is relatively large, there is no response to repeated reminders, it has been in arrears, and even no one can be contacted, then Alipay may sue and urge repayment through legal channels.

Of course, if the amount owed is not particularly large, although it is overdue, but there are also repayments in succession, then Alipay will naturally not sue.

But it is suggested to pay off the arrears as soon as possible. If you really don't know at the moment, don't directly shirk not paying back the money. You can take the initiative to contact Alipay customer service to negotiate and try to apply for an extension of the repayment period and repay the arrears in installments.