The car loan of 40,000-60,000 yuan is within the legal scope and does not exceed the upper limit prescribed by law. According to Article 6 of the Supreme People's Court's Opinions on People's Courts Handling Lending Cases, the interest rate of private lending can be appropriately higher than that of banks, and local people's courts can specifically grasp it according to the actual situation in the region, but the maximum interest rate shall not exceed four times (including interest rate) of similar loans of banks.

Beyond this limit, the excess interest will not be protected.