Li-ion batteries (LIBs) have made inroads into the electric vehicle area with high energy densities, but they still suffer from slow kinetics of Li+ limited by the graphite anode especially at high current density and low-temperature conditions. Sluggish de-solvation of Li+ at the electrode surface and slow Li+ transfer in solid electrolyte interphase (SEI) are main determining factors that restrict the fast-charging and low-temperature performance of graphite-based LIBs. Here, we construct the sodium lignosulfonate layer with abundant polar functional groups on the lithium-montmorillonite surface, which can make it simple for electrons transfer to promote in-situ formation of LiF-based SEI with high ionic conductivity. The thin and robust LiF-based SEI promotes the de-solvation of Li salts and Li+ transfer as proved by the comprehensive electrochemical studies and density functional theory (DFT) calculations. Consequently, a combination of excellent stability and fast-charging ability for LIBs at room and low temperatures is achieved. The designed anode shows the remarkable capacity of 1500 mAh/g at 0.1 A/g, which was 3–4 times better than the commercial graphite. At the high current density of 5 A/g, it can still keep stable with the capacity retention of 70 % after 7000 cycles. Besides, an impressive 70 % of their room-temperature capacity is attained at −10 °C and 150 mAh/g is achieved under the extremely low temperature of −40 °C. This study establishes the effective strategy to construct the LiF-rich interface on the surface of anode to improve the Li+ kinetics and stability of the battery.