by Abdul-Hakim Shabazz, Esq. Let’s say you needed to borrow $100 from me, and you’d give me my money back tomorrow. I told you, yes, but you could only do it if you paid me back $101. You’d probably say sure. Paying $1 to get the $100 you need; no big deal, right? Well, guess what, when you pay me back that dollar, you are fundamentally paying me back with at a 365% APR. Say what? Yup.