Hangzhou Xinmeixin Plastic Surgery Hospital's routine loan for beauty treatment is to negotiate first. If negotiation fails, it will be handled by the police. Ways to protect the rights of routine loan beauty institutions in the case of black heart: negotiate with the operators, request consumers' associations or other legally established mediation organizations to mediate, complain to the relevant administrative departments, submit them to arbitration institutions for arbitration according to the arbitration agreement reached with the operators, and bring a lawsuit to the people's court. Users who are cheated to apply for beauty loans need to keep relevant evidence and report to the police in time.