I borrowed 20,000 yuan from the Millennium Exhibition for six months, and I have to pay back 4,800 yuan every month. * * * I need to pay back 28,800 yuan. Is it a high-profit product? Not yet. What will happen to me? No, usury can only be recognized as usury if the interest rate agreed or unilaterally stipulated by both parties exceeds 25%. But app loans, the extra thousands of people are not called loan interest rates, but called handling fees or servers. There is no standard. You can charge as much as you want.