1, the annual interest rate does not exceed 24% (2 points per month), which is completely legal and fully protected by law;
2. When the annual interest rate exceeds 24% (2 points per month) but does not exceed 36% (3 points per month).
(1) If the debtor has paid 24%-36% interest to the creditor, but the creditor is required to return it in the lawsuit, the court will not support the debtor's request, which is equivalent to the court's recognition of the actually paid interest;
(2) If the debtor fails to pay 24%-36% interest to the creditor, and the creditor requests the debtor to pay in the lawsuit, the court will not support the creditor's request, which is equivalent to not recognizing the unpaid interest;
3, more than 36% (3 points per month) of the interest is illegal, the court should be deemed invalid.
Legal basis: Provisions of the Supreme People's Court on Several Issues Concerning the Application of Laws in the Trial of Private Lending Cases Article 26 If the interest rate agreed by both borrowers and lenders does not exceed 24% per annum, the people's court shall support it. The interest rate agreed between the borrower and the borrower exceeds the annual interest rate of 36%, and the interest agreement in excess is invalid. The people's court shall support the borrower's request to the lender to return the part of the interest paid that exceeds 36% per annum. Article 31 If the borrower voluntarily pays interest or liquidated damages without agreeing on interest, or if the interest or liquidated damages exceed the agreed interest rate and do not harm the interests of the state, the collective and the third party, the people's court will not support it, unless the borrower requests to return the interest exceeding 36% per annum.