Legal analysis: it is illegal to charge high fees for helping others to borrow money. Generally speaking, loans will not be charged in advance, and the charges are basically liars. Loan interest (within 24% of absolute protection and 36% of relative protection) should be repaid.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 671 Where the lender fails to provide the loan on the agreed date and amount, thus causing losses to the borrower, it shall compensate for the losses. If the borrower fails to collect the loan according to the agreed date and amount, it shall pay interest according to the agreed date and amount.

Article 673 Where the borrower fails to use the loan according to the agreed purpose, the lender may stop issuing the loan, recover the loan in advance or terminate the contract.