Legal analysis: if the online loan is overdue, the specific treatment methods are as follows: you can negotiate with the other party to postpone the repayment, and you can write a loan extension. You can use other property as collateral to complete the repayment. Repay the loan as soon as possible, otherwise the other party can sue. The creditor-debtor relationship formed between individuals is protected by law. If the debt cannot be repaid due to personal reasons, the other party may bring a suit in a people's court for personal repayment.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 673 Where the borrower fails to use the loan according to the agreed purpose, the lender may stop issuing the loan, recover the loan in advance or terminate the contract.

Article 674 The borrower shall pay interest at the agreed time limit. If the time limit for paying interest is not stipulated or clearly stipulated, and cannot be determined according to the provisions of Article 510 of this Law, if the loan period is less than one year, it shall be paid together with the loan; If the loan term is more than one year, it shall be paid at the end of each year; if the remaining term is less than one year, it shall be paid together with the loan.

Article 676 If the borrower fails to repay the loan within the agreed time limit, it shall pay the overdue interest in accordance with the agreement or the relevant provisions of the state.