No, this is illegal.

The cooperation between banks and online lending platforms must be based on legal compliance and must not break through the business scope of commercial banks or use external cooperation to circumvent regulatory regulations.

Illegal online loans can be roughly defined from two aspects: from the perspective of interest, the interest exceeds the national annual interest rate limit of 36 (including beheading interest, handling fees, review fees, service fees, Insurance premiums, and other expenses with clever names), once you are trapped, it is difficult to extricate yourself. From the perspective of collection, there is the problem of illegal violent collection, which can range from exposing your address book to harassing the borrower, his relatives and friends in their daily life. Or even endanger personal safety.