1, the loan owed 3000 yuan is enough for sentencing. Generally speaking, owing money does not constitute a crime, and so does online lending. But if you make up facts when you borrow money and have no intention of paying back the money, it may constitute fraud. 3,000 yuan is the starting point of sentencing. Those who refuse to execute because they have the ability to execute, if the circumstances are serious, shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or a fine.

2. Legal basis: Article 3 of People's Republic of China (PRC) Civil Procedure Law.

The provisions of this Law shall apply to the people's courts in accepting civil lawsuits brought by citizens, legal persons, other organizations and among them because of property relations and personal relations.

Second, what are the main consequences of non-repayment of online loans?

The consequences of non-repayment of online loans mainly include:

1, high penalty interest and liquidated damages. High penalty interest refers to the lender's failure to repay the amount specified in the loan within the specified time limit, so as to calculate the related high overdue penalty interest. The longer the debtor extends the overdue period, the higher the agreed interest, but no matter how high it is, it cannot exceed the legal scope stipulated by our laws. If the loan is not repaid, the lender will be required to pay the corresponding liquidated damages. Therefore, it is best to develop good repayment habits to avoid causing more problems in the future;

2. Credit damage. If the loan is not repaid, it will also affect its credit. Now many banks and online lending companies have adopted the * * * sharing system. If they borrow money from banks or online lending companies, they won't pay it back. Then it is possible that other online lending companies or banks will know about the outstanding loans. If they want to apply for a loan in the future, it will be difficult or even impossible for them to borrow money. Because the credit information has been damaged;

3. being harassed by various means. If the loan is not repaid, it may be harassed by the online loan company. Sending text messages and calling relatives of borrowers or lenders 24 hours a day is still a light act. Some online loan companies will outsource the collection to professional companies that specialize in dunning. These professional dunners have various dunning methods, and sometimes even the "violent collection" behavior of dunning companies will lead to family breakdown.

4. Serious circumstances will lead to imprisonment. If the debtor resolutely fails to perform the repayment obligation and wants to default, resulting in a very bad plot, the court will investigate the criminal responsibility of the debtor.