If the loan interest rate does not exceed 24%, the court supports it. If it exceeds 36%, some courts will not support it. If the monthly interest rate is 3 cents, it is illegal to exceed the regulations. 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 9 A loan contract between natural persons may be deemed to be established in any of the following circumstances: (1) When the loan is paid in cash, the borrower receives the loan; (2) If the payment is made by bank transfer or online electronic remittance, it shall be counted from the time when the funds reach the borrower's account; (3) If the bill is delivered, it shall be counted from the date when the borrower obtains the bill right according to law; (4) When the lender authorizes the borrower to control a specific fund account, the borrower obtains actual control over the account; (5) The lender provides the loan in other ways agreed with the borrower and actually performs it. Article 13 In any of the following circumstances, the people's court shall deem the private loan contract invalid: (1) borrowing money from financial institutions for lending; (2) Lending funds obtained by borrowing from other profit-making legal persons, raising funds from employees of the unit or illegally absorbing public deposits; (3) Lenders who have not obtained the loan qualification according to law provide loans to unspecified social objects for profit; (four) the lender knows or should know in advance that the borrower's loan is used for illegal and criminal activities, but still provides loans; (5) Violating the mandatory provisions of laws and administrative regulations; (6) Violating public order and good customs.