If you watch a lot of late night tv, you have probably seen this commercial. It’s an attractive Native American lady offering you $10,000 on the spot, and if you are drunk or high you might be dumb enough to fall for it, but as always you have to read the fine print. Western Sky Financial charges an interest rate of up to 342%!!! Holy shit, that makes my 27% credit card rate seem like a good deal. Let me put it into real terms for you. If you want to borrow $10,000 from Western Sky Financial it will cost you $62,453!!! Anyone who borrows from this company is a fucking idiot. What I can say is this: paybacks are a bitch. You do what we did to the Natives and then ask them for money? Prepare yourself for financial smallpox.