As long as the interests are legitimate, carefully review the qualifications of the contract and the platform, and then perform the obligations according to the contract. According to the new judicial interpretation of private lending, the interest rate agreed by both lenders and borrowers cannot exceed four times the quoted interest rate of the one-year loan market at the time of the establishment of the contract, which is currently 15.4%. Therefore, if the interest rate of the lending platform exceeds 15.4%, it will not be protected by law.