Legal analysis: non-repayment. The funds for online loan fraud have not arrived, which may be an online scam in itself. The applicant's information and money are fraudulently filled in by the applicant or a certain handling fee is paid, so it is impossible to reach your account. If the online loan does not arrive, from the perspective of civil relations, the loan behavior is not established, the loan contract is not established, and the applicant does not need to repay. It is necessary to contact the public security organs in time to prevent further losses.

Legal basis: Article 266 of the Criminal Law of People's Republic of China (PRC) defrauds public or private property, and if the amount is relatively large, he shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or public surveillance, and shall also or only be fined; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than ten years and shall also be fined; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined or confiscated. Where there are other provisions in this Law, such provisions shall prevail.