Is it legal to charge 5% post-loan service fee for Lending Bao?

Is it legal to charge 5% post-loan service fee for Lending Bao? This is illegal. This is a regular loan. Deduct it for any reason. Now, no matter how much the loan is, it will be paid to the account. Except the principal and interest, there is no extra cost for each repayment, which is a formal loan.