Legal analysis: According to China's regulations, interest with an annual interest rate below 24% is a legal interest and is protected by law; 2. The annual interest rate is more than 24% and less than 36%, and the borrower pays voluntarily, with legal support; If the borrower is unwilling to pay back, the law will not support it. 3. Interest with an annual interest rate of more than 36% is illegal interest and is not supported by law.

Legal basis: Article 6 of "Several Opinions of the Supreme People's Court on People's Courts Handling Loan Cases" can be higher than the bank's interest rate, and local people's courts can specifically grasp it according to the actual situation in the region, but the maximum shall not exceed 4 times (including interest rate) of the bank's similar loan interest rate. Beyond this limit, the excess interest will not be protected.