Legal analysis: Borrowers who encounter high-interest loans can defend their rights through prosecution, and the people's court will make a judgment according to the legal interest rate in private lending. If the interest charged by the borrower is really high, then the borrower has the right to refuse to pay the interest beyond the legal provisions. If the loan interest is legal, the argument that the loan interest is too high among borrowers is untenable, and the borrower will eventually lose the case.

Legal Basis: Provisions on Several Issues Concerning the Application of Laws in the Trial of Private Lending Cases Article 26 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.