Usury is when a lender charges unreasonably high interest on a loan. One of the worst offenders in the loan industry, when it comes to usury, is the payday loan or cash advance lender. These loans are available to almost anyone and have only a few requirements for potential borrowers. Payday loan borrowers are charged roughly $15 for every $100 borrowed. These loans become due in two weeks. If a borrower does not have enough money to pay off the loan and loan fees, he or she can roll over the loan for two more weeks and just pay the loan fees/interest. Many borrowers end up becoming trapped in a never-ending borrowing cycle. States have become more aware of unscrupulous lenders, including those who extend payday and cash advance loans, who are charging excessive interest rates. There are increasing numbers of usury laws for the protection of the consumer.