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It is not illegal to charge a service fee for a loan. According to Article 46 of the Law on the Promotion of Small and Medium-sized Enterprises, the state encourages all kinds of service institutions to provide services for small and medium-sized enterprises, such as entrepreneurship training and counseling, intellectual property protection, management consulting, information consulting, credit service, marketing, project development, investment and financing, accounting and taxation, property rights transaction, technical support, talent introduction, foreign cooperation, exhibition and legal consultation. The agency fee is a legal fee, and the law supports it as long as it does not exceed the standard.