Legal. Online loans can bear interest, but pay attention to the annual interest rate. As long as the annual interest rate does not exceed 36%, the accrued interest is legal. Article 28 of the Interpretation of Lending: After both borrowers and borrowers settle the principal and interest of the previous loan, the interest will be included in the latter loan principal and the creditor's rights certificate will be reissued. If the previous interest rate does not exceed 24% of the annual interest rate, the amount stated in the reissued creditor's rights certificate can be confirmed as the later loan principal, and the excess interest cannot be included in the later loan principal. If the agreed interest rate exceeds the annual interest rate of 24%, the people's court shall support it. According to the provisions of the preceding paragraph, the sum of the principal and interest that the borrower should pay after the expiration of the loan term cannot exceed the sum of the initial loan principal and the interest of the whole loan term calculated at the annual interest rate of 24% based on the initial loan principal, and the people's court will not support it.