Legal analysis: if it is a formal online loan, the loan funds are frozen, indicating that the user does not meet the loan conditions. At this time, the loan can only be unfrozen if the loan conditions are met, and there is no need to pay any fees during the unfreezing process. For informal loans, after the loan funds are frozen, users will be required to pay the certification fee, which belongs to the pre-loan fee, and users can refuse to pay.

Legal basis: the Supreme People's Court's opinions on people's courts' handling of loan cases.

Article 10 A loan relationship formed by one party against its true meaning by means of fraud, coercion or taking advantage of others' danger shall be deemed invalid.

Article 11 The lender knows that the borrower borrows money to engage in illegal activities, and its lending relationship is not protected.