Generally speaking, 360's loans will only be sued when they are maliciously overdue. The specific reason is that there is no clear time when 360's loans are overdue. Generally, after six months of overdue, the risk of being sued is high. After being sued by 360, the court will file a lawsuit against the user. If the user is unable to repay, the property of the borrower will be seized until the borrower pays off the loan. In more serious cases, the borrower will be sentenced to prison.
 Legal basis
 Article 675 of the Civil Code of the People's Republic of China [Time limit for the borrower to repay the loan] The borrower shall repay the loan within the agreed time limit. If the term of the loan was not agreed or clearly agreed, and cannot be determined in accordance with the provisions of Article 510 of this Law, the borrower may repay the loan at any time; The lender may urge the borrower to return within a reasonable period.