Is usury legal?

According to the law, interest that exceeds the bank loan interest rate by more than 4 times is not protected by law. But the principal and legitimate interests are still protected.

If your usury interest exceeds the legal standard, you can claim that the excess is invalid. If there is any dispute, you can bring a lawsuit to the court for confirmation.

Regardless of the loan itself, if it is seriously injured (requiring forensic identification), it will definitely constitute a criminal case, and the public security should file a case for handling.