This is legal, but unreasonable. Loan agency fee 15%. I think the cost is too high. However, the loan agency fee is legal, not illegal. If you agree to pay the fee, let him apply for a loan; Refuse to pay the fee if you don't agree, and don't lend it.

The expenses that the Lender shall bear when handling the loan are as follows:

1. Handling fee

At present, some banks will attract customers' attention through interest-free loans, but in fact they charge interest through handling fees;

2. Interest expense

The amount of interest depends on the bank chosen by the lender or the personal loan conditions of the lender. Different banks charge different loan fees. If the lender has good conditions, the loan interest charged is low;

3. liquidated damages

If an individual fails to repay the loan on time when signing a loan contract with a bank, the bank has the right to collect liquidated damages according to the amount agreed upon when signing the contract.