The interest rate of 1.8 is higher. 1.8%* 12=2 1。 6% is relatively high, close to usury. Legally recognized usury refers to an interest rate that exceeds 4 times the benchmark interest rate of the bank for the same period, that is, when a legal dispute occurs, it supports an interest rate level that is lower than 4 times the benchmark interest rate of the bank for the same period, which belongs to usury and is not protected by law.