Lol. In UK there are short term loans which are publicly advertised as having an APR of at least 1500%(wonga.com), up to 3500% for larger sums. Fully legal.
In PL wonga.com advertises strictly to elderly (using famous older actors for added nostalgia and trust factor), they intensify ad campaign during holiday season, 'your family deserves good holiday with great gifts!'.
Edit: It's a States issue. It looks like Massachusetts has some rules http://www.mass.gov/courts/case-legal-res/law-lib/laws-by-su....