No charge. According to the official information of Baihuaxiang Loan, Baihuaxiang Loan is a formal financial loan company, and it will not charge any fees to the borrower before lending, except for loan interest, prepayment fee and liquidated damages. The simple and popular understanding of a loan is to borrow money with interest. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them.