Gitzo's loan is legal. Gitzo's loan business mainly provides short-term microfinance services for individuals and small and micro enterprises, and provides consumers with more convenient and flexible financial services through cooperation with financial institutions such as banks. Its loan interest rate, handling fee and other charging standards meet the relevant national regulations, and borrowers need to meet certain conditions and qualifications to obtain loans. Gitzo Company is a formal consumer finance company with a legal business license, which is regulated and bound by relevant laws and regulations in China. Therefore, Gitzo's loan is legal.