First of all, if you don't repay your outstanding Loans on PalmPay, aside from being disturbed by PalmPay Loan agents via calls and messages, you're also hurting your credit score and history, which usually limiting users to future loans and credits. In addition, if you fail to repay your Loans on PalmPay, interest rate will start accumulating and become cumbersome that will be huge for you to pay the debts.
Furthermore, if your loan repayment has over due, it may lead to legal actions against you. PalmPay may decide to inform the credit bureau scheme and when your name enters the blacklist, you will not be able to get any loans from any financial institutions in Nigeria and you will not be able to travel out of the country via plane until your repay the loan and the institution you're owing verify that you've paid.