Legal analysis: 4S online shop loan service fee is illegal. According to relevant laws and regulations, it is illegal for dealers to charge financial service fees. Dealers shall clearly indicate the prices of automobiles, accessories and other related products and the charging standards of various services in an appropriate form in the business field, and shall not increase the price or charge additional fees beyond the marked price.

Legal basis: Measures for the Administration of Automobile Sales

Article 10 A dealer shall clearly state the price of selling automobiles, accessories and other related products and the charging standards of various services in an appropriate form at the business site, and shall not increase the price or charge additional fees beyond the marked price.

Article 14 Suppliers and distributors shall not restrict consumers' residence, and shall not restrict suppliers and after-sales service providers of auto parts, supplies, finance, insurance, rescue and other products from providing services to consumers, except for the three-guarantee service, recall and other accessories and services used when the supplier bears the expenses.

When selling cars, dealers shall not force consumers to buy insurance or provide services such as vehicle registration on their behalf.