No, you will generally not go to jail if you fail to repay Home Credit. If you do not use fraudulent means and you really have no ability to repay, it is a civil dispute and you will not go to jail; you will not go to jail if your loan is overdue. , but you will be called to pay the debt, but you will be sued if you owe it for 3 months.

Home Credit will not be sentenced if it is overdue. Legally, only bank credit card debt under certain circumstances (more than 10,000 yuan, non-repayment for three consecutive months, three effective collections) will lead to criminal penalties (credit card fraud), which may not necessarily be a prison sentence, but may also be criminal detention. & Control, fines and penalties, etc.

Generally speaking, there is no "sentencing" for all civil debts, because civil is civil, criminal is criminal, sentencing is criminal punishment, debt is a civil dispute, and civil debt disputes will not directly result in criminal penalties. (Resisting execution after a judgment of non-payment of debt is another matter, so it is not "directly" caused).

When asked whether overdue civil debts will result in a prison sentence, or whether they think there will be criminal penalties, I can only say that such people lack the most basic legal common sense and common sense in life. Even the simplest civil and criminal matters cannot be distinguished. Or maybe after watching too many foreign movies and TV series, they confused some of the rules of the Anglo-American maritime law system in the TV series with our laws and regulations in reality. On the one hand, it is ignorance of real life, and on the other hand, it is replacing systematic learning with piecemeal content in movies and TV series... This situation is somewhat embarrassing and makes people speechless.

Getting back to the subject, civil debt disputes will not directly lead to criminal penalties. Only under certain circumstances, people who resist the effective judgment of the court will be subject to criminal penalties (the crime of resisting the execution of the judgment, that is, the crime of resisting execution) ).

Also, only for bank credit card debts, if the debt is more than 10,000 yuan, has not been repaid for three consecutive months, and the bank has made three effective collections, it will constitute a malicious overdraft situation that constitutes the crime of credit card fraud.