Is it legal to charge a service fee for Xiaoxinyou Loan?

Legal. It is legal to charge service fees for Xiaoxinyou loans, and microfinance companies are responsible for the guarantee. The paid guarantee is legal because both parties have a contract. Xiaoxinyou APP is an app that brings convenience to everyone's borrowing. There are a large number of different loan products for you to choose from, and the amount is very flexible and free.