If the loan is unsuccessful, to collect the service fee, we must first make it clear whether to collect the service fee. According to the Contract Law of People's Republic of China (PRC), any contract shall be signed voluntarily and shall not violate laws, regulations or public order and good customs. If no relevant agreement is signed in the process of loan application, or there is no clear agreement in the agreement that the service fee is required to be paid if the loan application is unsuccessful, then the service fee is invalid and should not be charged.

If the service fee is legal, but the agreement cannot be fulfilled due to the unsuccessful loan, consumers can safeguard their rights and interests through the following channels:

1. Negotiate with the borrower to refund the service fee: During the negotiation, you can provide your own personal credit report and detailed risk report to prove your credit status and repayment ability, so as to urge the borrower to refund the service fee.

2. Complain to relevant institutions: If the borrowing institution is unwilling to negotiate, consumers can complain to relevant institutions, such as bank regulators and industry associations, for help and support.

3. Apply for arbitration or prosecution: If the above two methods are ineffective, consumers can seek arbitration or sue the lending institution according to the contract or legal provisions to safeguard their rights and interests.

Before signing a loan contract, consumers should carefully read the terms of the contract, especially the terms on the collection and refund of service fees, so as to avoid economic losses. In addition, consumers can use online loan big data and credit inquiry tools to understand their credit status and risks, and avoid unnecessary troubles and losses when applying for loans.