1. Lenders and borrowers can agree on interest-free loans.

2. If there is a dispute between the borrower and the borrower on whether there is an agreed interest rate, but it cannot be proved, the interest shall be calculated with reference to the bank's similar loan interest rate.

3. Lenders and borrowers can determine the highest interest rate of similar loans of banks within four times the standard.

4. If the interest agreed by the borrower and the borrower exceeds the interest rate of similar loans of the bank by 4 times, the court will not protect the excess. If the borrower pays more than the prescribed interest and sue for return, the court will support it.

5. The above are the legal contents about "what is the legal interest of personal loans" and "how much the interest of personal loans cannot exceed". I hope these contents can help solve the legal problems you encounter. In fact, excessive loan interest sometimes affects the realization of the creditor's rights of the parties and leads to loan disputes. If you have a loan dispute and don't know what to do, then I suggest you consult a professional lawyer and let the lawyer help you solve the dispute according to your situation.