Some consumer loans in the US are considered abusive, despite being legal. These loans often have costly terms that borrowers do not fully understand. Payday lenders and used car sellers are among those who offer such loans.

They tend to target low-income individuals with stable jobs, as these individuals have a reliable source of income. Further information on this issue can be found in the Waco Tribune-Herald, which has published an article by Froma Harrop discussing the topic of abusive consumer loans.