Legal analysis: no more than 4 times the quoted interest rate of one-year loan market when the contract is established. The state has not stipulated the maximum interest rate of small loan companies, but it is clear in law that the people's court should support the lender to ask the borrower to pay interest at the interest rate agreed in the contract, except that the interest rate agreed by both parties at the time of the establishment of the contract exceeds four times the market quotation of one-year loans.

Legal basis: Provisions of the Supreme People's Court on Several Issues Concerning the Application of Law in the Trial of Private Lending Cases.

Article 24 If the borrower and the lender have not agreed on interest, and the lender claims to pay interest, the people's court will not support it. If the interest agreement between natural persons is unclear and the lender claims to pay interest, the people's court will not support it. Except for the loan between natural persons, if the agreement on the loan interest between the borrower and the lender is unclear, and the lender claims interest, the people's court shall determine the interest according to the contents of the private loan contract, the local or the parties' trading methods, trading habits, market quotation and other factors.

Article 25 If the lender requests the borrower to pay interest at the interest rate agreed in the contract, the people's court shall support it, except that the interest rate agreed by both parties exceeds four times the market quotation of one-year loan at the time of the establishment of the contract. The "one-year loan market quotation" mentioned in the preceding paragraph refers to the one-year loan market quotation issued monthly by the National Interbank Funding Center authorized by the People's Bank of China from August 20th, 20th, 20th19th.