Is online lending true? Is Beijing Yintai Microfinance Co., Ltd. legal? Is it credible? I borrowed 20 thousand, and they called at first

Your situation is the same as mine. It's the same company At first, I paid 3,000 insurance premiums, and later I paid 20%, saying that the bank could not get through and had to pay 50%. I feel cheated. Hey, is that contract legally binding? What should I do if I say I have breached the contract and want to sue me?