Legal analysis: it is not illegal to charge a service fee for a loan. Loans are to solve their own economic problems, but some people have encountered cases in which lending institutions require service fees. The service fee is charged with the loan amount. When their loan amount is large, the service fee also needs several thousand yuan. Interest is usually generated by loans, but in practice, some lending institutions charge extra fees under various pretexts to avoid the maximum interest limit.

Legal basis: Article 46 of the Law of People's Republic of China (PRC) on the Promotion of Small and Medium-sized Enterprises, the state encourages all kinds of service institutions to provide small and medium-sized enterprises with services such as entrepreneurship training and counseling, intellectual property protection, management consulting, information consulting, credit services, marketing, project development, investment and financing, accounting and taxation, property rights trading, technical support, talent introduction, foreign cooperation, exhibition and sales, and legal consulting. The agency fee is a legal fee, and the law supports it as long as it does not exceed the standard.