Gitzo's cash loan interest includes not only the normal loan interest, but also the monthly service fee and customer service fee. It is understood that Gitzo's cash loan interest rate is generally 0.58%, while the monthly service rate and customer service rate are 0.78% and 1.58% respectively.

Take Gitzo Cash Loan with a one-year term of 5,000 yuan as an example. After the loan expires, the interest is more than 2000 yuan. This is much higher than the bank's cash loan, which is why Gitzo's cash loan interest is comparable to usury.