If the borrower does not repay the money, the creditor may negotiate with the borrower to agree on the repayment period. If they are able to repay and refuse to repay, they may bring a suit in a court, and the people's court shall make a judgment to compel repayment. The borrower shall repay the loan within the agreed period. If the agreement is unclear, the borrower can return it at any time; The creditor may demand repayment from the borrower within a reasonable period.
 [Legal Basis]
 In Article 675 of the Civil Code, 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.