Biggest Rip-Off Ever?

I don't normally pay attention to commercials, but this one caught my ear after some blathering about "the money is expensive, but not as much as a payday loan." WTF? I rewound the DVR and was able to see the terms in small print. Holy crap this is worse than a loan shark. For a $5,000 loan, the APR is 116.73%, payable over 84 months... Yes, that's over $35,000 in interest for a $5k loan. I suspect there is a penalty for paying it off early. Who signs up for this crap? You may as well borrow some cash from Harry "The Hatchet" Fingers. Or maybe raffle off a kidney or cornea.