1. It is not illegal to help others to charge for online loans. There is no fixed ratio between loan agency fee and handling fee. The intermediary online loan charges are too high and unreasonable;

It is illegal to charge high fees for helping others to borrow money. Generally speaking, loans will not be charged in advance, and most of them are liars.

Loan interest (within 24% of absolute protection and 36% of relative protection) should be repaid. However, it is an illegal interest expense, which can be considered appropriate based on the principle of good faith and has the right to refuse to pay compound interest. The overpaid part can be returned.

If the intermediary charges such a high fee during the online loan period, the intermediary's loan service fee is set by the intermediary itself, and there is no uniform standard in the country.

It is often calculated according to the borrower's amount, purpose, term and credit. However, if the online lending platform itself is illegal, it may also be illegal to help others borrow online.

Legal basis:

Provisions on some issues concerning the application of law in the trial of private lending cases by the High Court

Article 26

If the interest rate agreed between the borrower and the borrower does not exceed the annual interest rate of 24%, and the lender requests the borrower to pay interest at the agreed interest rate, the people's court shall support it. The interest rate agreed between the borrower and the borrower exceeds the annual interest rate of 36%, and the interest agreement in excess is invalid. The people's court shall support the borrower's request to the lender to return the part of the interest paid that exceeds 36% per annum.