A person or organization that practices predatory loans by calculating high interest rates (known as the “credit shark”). Each state has its own interest rate limits (called the “usury rate”) and usurers illegally calculate higher than the maximum allowable rate, although not all credit sharks practice illegally, but instead fraudulently calculate the highest interest rate, which is legal under the law. The first step in obtaining a loan is to conduct a credit check, which can be obtained for US$30 from TransUnion, Equifax or Experian. A credit score ranges from 330 to 830, with the number being all the higher, which represents a lower risk for the lender, in addition to a better interest rate that the borrower can get. In 2016, the average solvency in the United States was 687 (source). Guarantees are the assets of the borrower with whom he secures a loan from you. .