Back in 1977, I tried to borrow $100 dollars from an Oklahoma bank. The interest was 25%. I was desperate and agreed to those terms. Then they turned me down.
When I retired in 2008, I put my retirement funds in a different bank. I always remember how the Oklahoma bank lost my accounts because of this.
I don’t think they exist any more, but there used to be loan places like HFC that charged a crazy high rate of interest with a huge penalty for early payoff. I got one loan there for some stupid reason. I had to learn the hard way, I guess. I paid it off early and paid the horrible penalty just to cut my losses.