Usury refers to a loan that demands a particularly high interest rate. In fact, it is what we call private lending, but the interest is extremely high. Some usurious loans will agree on interest rolling, which means that the interest will be used as the principal to calculate the interest of the next period. Therefore, usury is like a snowball. It is getting bigger and bigger, with great harm. Once it falls into the circle of usury, It's hard to get out.
 If you borrow usury, you are most likely to face collection. If the collection subject is illegal, you may also be forced to collect, such as sending people to follow you 24 hours a day by text message, phone, or even beating the borrower violently. Even if you can't pay back the money for a while, you should also pay attention to protecting your legal rights and interests when your rights are violated, For example, you can protect your legitimate rights and interests by calling the police or filing a lawsuit.
 Legal basis
 Article 680 of the Civil Code of the People's Republic of China [Forbid usurious lending and determination of loan interest] prohibits usurious lending, and the interest rate of the loan shall not violate the relevant provisions of the state.
 If the loan contract does not stipulate the payment of interest, it shall be deemed that there is no interest.
 If the loan contract does not clearly stipulate the payment of interest, and the parties cannot reach a supplementary agreement, the interest shall be determined according to the local or parties' trading methods, trading habits, market interest rates and other factors; Borrowings between natural persons shall be deemed as interest free.