Not tall. The loan12000 has a low interest rate of 8.33 per annum. Calculation process: 3/ 12 = 8.33, and the annual interest rate of 8.33% is not usury. The annual interest rate of usury stipulated by the state exceeds 15.4%. Therefore, the loan interest rate of 8.33% is normal. At present, the annual interest rate of general consumer loans in the market is between 8%- 12%, which is a normal loan with a low annual interest rate.