Not high. In 2022, the interest rate of medical unsecured consumer credit loans is 0.3 to 0.42, and the monthly interest rate per 10,000 yuan averages about 35 yuan, which is not high. A simple and popular understanding of a loan is borrowing money that requires interest. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must be returned.