Is Gitzo's flexible guarantee service package legal?

Gitzo's flexible service package is illegal. The contract stipulates that the annualized comprehensive interest rate is 25%, but the platform charges high interest in the name of customer service fees and flexible guarantee service packages, which is not protected by law, which seriously violates the Provisions of the Supreme People's Court on Several Issues Concerning the Application of Laws in the Trial of Private Lending Cases and the Contract Law.