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These statistics resemble in most other states. Which means the borrower can pay $400 – $500 in loan fees on a $400 loan. This can be absurd usury and should be illegal since it is not helping anyone except the lender. It is predatory lending at best that just gets borrowers in deeper debt than before.”Some will say, that little man requires somewhere to go,” said state Rep. Eldridge Emory, “Butif he gets money in this way, he’s just digging a hole deeper and deeper, and he’s not going to get out.”Several states like Vermont have currently banned this form of predatory lending.