The act of lending money at an unreasonably high interest rate,thus making repayment excessively difficult or impossible for the borrowers,is the definition of

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Predatory lending involves lending money at unfair and often outrageous terms, including high interest rates, hidden fees, and aggressive collection practices. This makes it difficult or impossible for borrowers to repay their loans, leading to financial distress and even bankruptcy. Usury law refers to the legal limits on interest rates that lenders can charge, while rollover refers to the practice of extending a loan by paying additional fees and interest. Interest rate spread refers to the difference between the interest rates paid by banks on deposits and the rates charged on loans.

The Act of Lending Money at an Unreasonably High Interest