It is not considered a loan shark.

Explanation:

1. According to the information provided, the loan is 150,000 yuan per year, and the monthly repayment amount is 1,875 yuan.

2. Usury usually refers to loans with interest rates much higher than the market average. However, without providing a specific interest rate, it is impossible to determine the actual interest rate level for the loan.

3. If we assume that the loan interest rate is an annual interest rate of 12%, based on equal principal and interest repayments, the monthly repayment amount should be 15,625 yuan. Based on this calculation, the monthly repayment amount of 1,875 yuan is lower than the market average interest rate.

4. Please note that this is only a hypothetical situation and actual interest rates may vary. If more information about the loan interest rate is provided, a more accurate judgment can be made.

Summary:

Based on the information provided, it is impossible to determine whether the loan is usury. In the absence of specific interest rate information, the monthly repayment amount of 1,875 yuan does not necessarily represent a high-interest loan.