The interest rate of 1.8 is higher. 1.8%* 12=2 1。 6% is relatively high, close to usury. Legally recognized usury refers to an interest rate that exceeds four times the benchmark interest rate of the bank for the same period, that is, in case of legal disputes, it supports an interest rate level that is lower than four times the benchmark interest rate of the bank for the same period, and those that exceed four times the benchmark interest rate of the bank for the same period are usury and are not protected by law.