Legal analysis: If 3,000 yuan is overdue for 3 years, there will be a lot of compound interest and late fees. In addition, there will be late fees if you don't even repay the minimum amount of each installment. Late payment fee = (minimum repayment amount-the amount paid before the due repayment date) × 5%, with the minimum 5 yuan (1 USD/Euro), and the late payment fee will be charged monthly. How much do you want to pay back now? You have to call the customer service hotline for details.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 674 The borrower shall pay interest at the agreed time limit. If the time limit for paying interest is not stipulated or clearly stipulated, and cannot be determined according to the provisions of Article 510 of this Law, if the loan period is less than one year, it shall be paid together with the loan; If the loan term is more than one year, it shall be paid at the end of each year; if the remaining term is less than one year, it shall be paid together with the loan.

Article 675 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.