I've been seeing these commercials recently of a Indian reservation-based loan company called Western Sky. Due to the economy, a lot of people are resorting to these financial companies for fast cash. I just saw another commercial for Western Sky, and I decided to read the fine print, and was astonished at what I saw.

For a $5000 loan (plus a $75 origination fee), they charge an interest rate of 116.73%, at 84 monthly payments of $486.58. At that rate, you will have paid them $40,872.72!!! eek panic

How is this even legal?! Is it because it is a Native American company? If this doesn't qualify as usury, I don't know what does!

"Growing up my dad was like 'You have a great last name, Galifianakis. Galifianakis...begins with a gal...and ends with a kiss...' I'm like that's great dad, can we get it changed to 'Galifianafuck' please?" -- Zach Galifianakis