Predatory lending or Fraud
I applied for a loan after receiving an offer from BTO and was approved, but the terms are highly unfavorable. The loan of $1957 demands payments of $585 monthly over 15 months which took my loan back to the original 54 months, this seems excessive. I understand the terms are my responsibility to accept or reject, yet I'm questioning the legitimacy; could this be an instance of predatory lending or fraud on the part of Heights?