Whether online loan 6000 is a fraud depends on whether the actor has the motive of illegal possession when applying for a loan. If so, it will constitute a crime of fraud. If the online loan is overdue, it may constitute the crime of credit card fraud or loan fraud.
 [Legal basis] In Article 196 of the Criminal Law, if the crime of credit card fraud involves one of the following circumstances and conducts credit card fraud, if the amount involved is relatively large, it shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention;
 And a fine of not less than 20000 yuan but not more than 200000 yuan; If the amount is huge or if there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than 10 years and shall also be fined not less than 50000 yuan but not more than 500000 yuan;
 If the amount is especially huge or if 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 not less than 50000 yuan but not more than 500000 yuan or be sentenced to confiscation of property:
 （1） Using a forged credit card, or using a credit card obtained by fraud with a false identity certificate;
 （2） Using an invalid credit card;
 （3） Using another person's credit card;
 （4） Malicious overdraft.
 The malicious overdraft mentioned in the preceding paragraph refers to the act of the cardholder who overdraws beyond the prescribed limit or time limit for the purpose of illegal possession and still refuses to return the overdraft after being urged by the card issuing bank. Whoever steals a credit card and uses it shall be convicted and punished in accordance with the provisions of Article 264 of this Law.