The average usurer's annual interest rate is above 36%, and the loan is 100 yuan, and the annual interest is above 36 yuan. Individual interest rates can reach 100%-200%. Even the usurer's annual interest is generally 100%, and it is a "double interest increase", that is, a loan of 100 yuan, which will be repaid to 200 yuan one year later. If it cannot be returned at maturity, it will be returned to 400 yuan in the second year and 800 yuan in the third year. Article 26 of the Supreme People's Court's Provisions on Several Issues Concerning the Application of Law in the Trial of Private Lending Cases "If the interest rate agreed by both borrowers and lenders does not exceed 24% per annum, and the lender requests the borrower to pay interest at the agreed interest rate, the people's court shall support it. If the interest rate agreed by the borrower and the lender exceeds the annual interest rate of 36%, the interest agreement in excess is invalid. "