Explanation:

1. The arrears of online loans are civil disputes and usually do not directly lead to imprisonment. The law tends to take civil action to solve the problem of arrears.

2. The borrower needs to pay off the debt, but if it cannot be repaid, it may face the following consequences:

-Creditors can recover debts through legal channels such as prosecution and enforcement.

-The borrower's credit record will be damaged, which may affect future credit loans and other financial transactions.

-Creditors can apply for freezing the borrower's property or wages to enforce their debts.

3. In some cases, a certain amount of arrears can be regarded as a criminal offence, such as fraud. But this requires the existence of specific conditions and the trial of relevant institutions and judicial procedures.

Summary:

Owning the loan money will not directly lead to imprisonment, but the borrower still needs to bear legal responsibilities, including solving the debt problem and the possible consequences of civil disputes. It is suggested that borrowers communicate with creditors in time to seek reasonable solutions to avoid further deterioration of the problem.

Extended data:

In China, the supervision and legal provisions of P2P lending information intermediary (P2P platform) have been gradually improved. According to relevant national regulations, P2P platforms without legal permission, as well as cases involving illegal fund-raising and fraud, may face criminal accountability. However, individuals who borrow money from online lending platforms are generally regarded as civil disputes and need to solve the corresponding problems through legal channels.