Is the online loan consulting service fee legal?

Legal analysis: Some online lending companies are nominally service fees, but in fact they are trying to cover up the illegal high interest. In actual trial, the court does not support the interest that exceeds the legal provisions.

Legal basis: the Supreme People's Court's opinions on people's courts' handling of loan cases.

Article 10 A loan relationship formed by one party against its true meaning by means of fraud, coercion or taking advantage of others' danger shall be deemed invalid.

Article 11 The lender knows that the borrower borrows money to engage in illegal activities, and its lending relationship is not protected.