Your lender broke the law.
In many U.S. states with strict usury laws (often a 36% APR cap on consumer loans), any loan exceeding legal limits may be unenforceable — you could qualify for full forgiveness, refund of payments, and compensation.
High-interest personal loans have become a serious financial burden for many consumers across the United States. What often begins as short-term financial assistance can turn into long-term debt, with excessive interest rates, increasing balances, and monthly payments that barely reduce the principal. For many borrowers, this creates ongoing financial stress and lasting credit damage.
Many consumers report serious concerns related to high-interest personal loans issued by lenders such as NetCredit, OppFi (OppLoans), and others operating nationwide or in states with rate caps. Borrowers allege that certain loan terms, interest rates, or repayment structures may violate state consumer protection laws or exceed legally permitted limits. These allegations raise important questions about whether some lending practices comply with applicable state laws.
Many lenders charge illegal interest and fees exceeding state limits (often 36% APR or less in protective states). If this happened to you, your entire loan could be forgiven, giving you relief from unfair debt and overcharges.
We understand how stressful dealing with high-interest loans can be. Share your loan details below, and we’ll help you.
Public reviews and consumer complaints indicate that some borrowers believe loans from lenders like NetCredit, OppFi (OppLoans), and others may involve unlawful or unfair practices, including excessive interest charges and loan structures that keep consumers trapped in debt. While each case depends on individual facts and applicable state law, repeated allegations suggest that some practices may not be legally enforceable in states with protective caps.
If you are dealing with a high-interest loan issued by a lender operating in a state with a strict APR limit (such as 36% or lower), you may have legal rights. Lenders must comply with state consumer protection and lending laws. When a lender charges excessive interest, uses unfair loan structures, or fails to comply, borrowers may be entitled to relief.
We are here to help borrowers at no upfront cost. There are no fees and no payment required unless a case is successfully resolved in court. Our goal is to help borrowers understand their rights, challenge potentially unlawful loan practices, and pursue fair outcomes without added financial pressure.
High-interest loans do not have to control your future. Learning your options and asserting your consumer rights can be the first step toward financial relief and long-term stability.
NCLC report on state-by-state interest rate caps for installment loans, highlighting protections in many states (including 36% or lower limits).
NCLC – Predatory Installment Lending in the States (2025)Center for Responsible Lending on efforts to cap predatory rates at 36% nationwide, building on state successes.
CRL – Predatory Lending Elimination Act OverviewNCLC watch list of high-cost lenders using bank partnerships to evade state rate caps.
NCLC – High-Cost Rent-a-Bank Loan Watch ListOverview of Illinois' 36% cap as a model for other states.
Woodstock Institute – PLPA ImpactGeneral information on state-level consumer protections against high-interest loans.
Example: Illinois AG Consumer Protection (adapt to your state)
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