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It is not legal for the lender to ask for any fee at all up front before issuing a consumer loan to you. It is called the Advance Fee Loan Scam. You can read about it on the FTC(dot)gov website.

These cashnet scams (under many names) have the lender asking for money to be placed on a reloadable card as part of the condition to getting the loan. Since it is an Advance Fee and Advance Fee's aren't allowed, you know you are about to be scammed. Any other info the scammer tells you to induce you to pay the fee is immaterial. Once you pay the fee, then the scammer comes up with another reason to charge another fee and so on until you catch on that there is no loan. There never was a loan. There is no agreement. Just a scammer getting the funds off the card as many times as you load up the cards.

Naturally the scammer is going to blame the consumer when the "loan" goes south. It is part of setting up the consumer for part two of the scam:  pay more money to get your money back. Some people actually believe that if they pay the fee, they will get their money back. This continues until the consumer says NO.

This then leads to the payday loan collection scam. Same format as the Advance Fee scam, but the premise is you have an outstanding loan and in order to clear it you need to load money on a reloadable card.

Best to put a stop to this right from the beginning, when the scammer asks you to put money on a reloadable card, just say "no" before you put any funds on any card.

For you to think that there is actually an agreement on these types of loans is funny.

If you are talking about a cash advance type loan with a payday type lender; then that is a different issue. There is no advance fee and from what I understand, there is a written agreement. Best to stay away from payday loans too but that is a whole different thing.