Legal analysis: no matter how much. Civil disputes over arrears fall within the scope of court acceptance, and there is no legal minimum amount of arrears. In theory, even if you owe one yuan, you can bring a lawsuit to the court. If the amount owed is relatively small, whether it is worth suing or not needs to be decided by the parties themselves. If the borrower is really unable to repay, he should negotiate with the bank or financial institution as soon as possible to express his willingness to repay and reach a repayment agreement as far as possible. If no agreement can be reached, the bank or financial institution will file a civil lawsuit, and the court will mediate or make a judgment according to the situation.

Legal basis: Article 675 of the Civil Code of People's Republic of China (PRC) stipulates that the borrower shall repay the loan within the agreed time limit. If the term of the loan is not agreed or clearly agreed, and cannot be determined according to the provisions of Article 510 of this Law, the borrower may return it at any time; The lender may urge the borrower to return it within a reasonable period of time.