1. If the loan interest is too high, you can sue directly. If the loan company's interest rate is too high, the part that exceeds the interest rate stipulated by the state cannot be repaid after being sued in court, and the other part still needs to be repaid. Lenders and borrowers form a lending relationship through the online lending platform. The online lending platform provider only provides media services, and the people's court will not support it if the parties request it to assume the guarantee responsibility. The people's court shall support the online loan platform provider who expressly provides a guarantee for the loan through websites, advertisements and other media or has other evidence to prove that the lender requests the online loan platform provider to assume the guarantee responsibility.

2. Legal basis: Article 120 of People's Republic of China (PRC) Civil Procedure Law.

The prosecution shall submit a complaint to the people's court, and submit copies according to the number of defendants. If it is really difficult to write a complaint, it can be made orally, which will be recorded by the people's court and the other party will be informed.

Second, what is the loan process?

The loan process is as follows:

1. The buyer and the seller sign the house sales contract, and stipulate the down payment, loan and final payment;

2. The purchaser and spouse apply for a loan from the bank, and the seller and spouse are present for confirmation;

3. The bank examines and approves the loan application;

4. The buyer signs a loan and guarantee contract with the bank;

5. The seller transfers the property right of the house to the buyer, and the seller obtains the down payment from the buyer;

6, the purchaser and the bank for real estate mortgage registration;

7. The bank issues loans to the seller's account;

8. The buyer and the seller settle the house payment, and the seller obtains the final payment from the buyer;

9. Buyers take back their houses and repay them on a monthly basis.