First of all, it is illegal to believe that it belongs to a usury company. Of course, high interest rates are also not recognized by the state. If you meet such a friend, you can repay his principal, for example, a loan of 30,000 yuan, which can be repaid every month, so you don't have to pay it back if the table is 30,000 yuan. It's a lie to call and harass you and your friends and say that you cheated and arrested you. He won't sue you because he is illegal. The state clearly stipulates that the loan interest cannot exceed three times that of the bank, so they are well aware of this and dare not sue you after the principal has been repaid. They can only harass you and your friends and family by phone. Most importantly, CreditEase won't affect your bank loan credit, which means it won't affect the car and house you mortgage in the future.