There are many illegal acts in the loan of Zhiyi, including high interest rate, induced operation and unspecified interest. According to the results of online inquiry, the loan of Zhiyixue was accused of fraud by many users. Some people say that usury is borrowed, and the interest is too high. Zhi Yi Xue did not explicitly indicate that it was a third-party lending institution in official website or other channels, nor did it inform the borrower in advance that there would be interest after installment.