Check out the Native American/Tribal loan racket. These guys are raking it in. In many states the Tribes are considered "sovereign nations" operating within the US. They're not subject to our banking laws and regulations.and the APR (or more truthfully) vig rates are astronomical.They generally offer small loans,usually under 1,000 bucks, so their potential loss is minimal. The catch is that the loan carries a 30 or 40 % APR, IF PAID BACK IN 2 WEEKS. If not,a new "lending cycle" starts. This includes another "loan processing fee",and the same APR. Once you get caught up in this roller coaster, by the time you pay it off, you can be on the hook for APR's of 1'000% or higher. This practice is as crooked as their casinos. You can't get either one of them into the ground without a corkscrew.