1. There is no service charge for normal loans. If the other party asks for a service charge, it should be distinguished. When you don't know the content of the loan service fee, you can ask a lawyer to help you safeguard your rights and interests.
If you just borrow money directly from the bank, there will be no service charge. The loan agency fee is legal, as long as it does not exceed the standard.
Legal basis: Article 40 of the Law of People's Republic of China (PRC) on the Promotion of Small and Medium-sized Enterprises. The State encourages all kinds of social intermediary agencies to provide information consultation, investment and financing, loan guarantee, legal consultation and other services for small and medium-sized enterprises. The agency fee is a legal fee, and the law supports it as long as it does not exceed the standard.