According to the formula: loan amount = monthly repayment amount * 1-( 1+ monthly interest rate)-repayment months/monthly interest rate.

22800 =1083.33 *1-(1+monthly interest rate) -24/ monthly interest rate

Monthly interest rate = 1.075 1%

Annual interest rate = 12.94208%

The annual interest rate is less than 36%, which is not considered as "usury".

It is very rare to have a loan platform with such an interest rate.