If the platform charges a service fee, if it is a regular fee, such as installment fee and prepayment fee, the customer can pay it according to the regulations. If it is unreasonable, such as the service fee for opening an account, the service fee for unfreezing loan funds, and the deposit. Then the customer is advised not to pay. We should know that any formal loan platform with a financial license approved by the CBRC will generally not charge any fees to customers before the loan is issued. If the customer pays, most of the money will not be returned. In fact, it is equivalent to paying "beheading interest", and personal money is bound to be damaged. Even some small loan platforms will directly "roll the money and run away", and then they will not lend money and can't contact people. It is best for customers to give up the loan of the platform directly, apply for a new loan from other licensed consumer financial institutions, untie the bank card and directly cancel the loan account of the platform; You can also report to the local CBRC or the Internet Finance Association.