Finance companies need 19 points for lending, which obviously belongs to the stipulation that usury exceeds the maximum private lending of 15.4% stipulated by the People's Bank of China. Among private lending, the Supreme People's Court does not support loans with annual interest rate exceeding 2.4%. Secondly, when the interest rate exceeds 36%, it is a veritable usury, which many people know. In addition, because the law does not support usury, it protects the legitimate rights and interests of every citizen. In addition, China Internet Finance Association and other online loan supervision departments prohibit usury and high-interest loans. Therefore, when borrowers encounter high-interest loans, they can consider seeking legal aid privately to safeguard their rights and interests through legal channels.