Legal analysis: non-payment of agency fees is a malicious debt, which is likely to be prosecuted by the agency, and will be added as a untrustworthy person in serious cases. If you don't pay back the money, whether online or in reality, you will have to bear overdue fines, face recovery, face a credit crisis, and may face litigation if you don't pay back in time.

Legal basis: Article 675 of the Civil Code of People's Republic of China (PRC) stipulates that the borrower shall repay the loan within the agreed time limit. If the term of the loan is not agreed or clearly agreed, and cannot be determined according to the provisions of Article 510 of this Law, the borrower may return it at any time; The lender may urge the borrower to return it within a reasonable period of time.