Legal analysis: usury is a lending behavior that exceeds the interest rate of private lending. Not protected by law is an illegal act, but it does not constitute a crime. Therefore, if it is a high-interest lender, it is difficult for the lender's interests to get legal support when the borrower fails to repay four times the interest (including interest rate) of the similar bank loans after the loan expires. Therefore, usury is risky.

Legal basis: Article 680 of the Civil Code prohibits high-interest lending, and the loan interest rate shall not violate the relevant provisions of the state.

If there is no agreement on the payment of interest in the loan contract, it shall be deemed that there is no interest.

If the loan contract does not specify the method of interest payment, and the parties cannot reach a supplementary agreement, the interest shall be determined according to the local or the parties' trading methods, trading habits, market interest rates and other factors; Loans between natural persons are regarded as having no interest.