49. All Credit Lenders (with storefronts in Illinois, Wisconsin, and South Carolina) offers “line of credit” loans. With such a loan, you receive a cash advance, much as you might from using a credit card. The interest, calculated on a daily basis, comes to the currently advertised APR of 24% (below the Illinois usury cap of 36%). But if you have not paid back the loan by the end of the month, you are charged a “required account protection fee,” usually $15 per $50 borrowed, whose alleged purpose is to protect the borrower in case the borrower becomes unemployed and is unable to make payments. In March 2012, Loralty Harden (who is retired and disabled) borrowed $100 under such an arrangement at the Machesney Park, Illinois, office, with an interest rate of 18%. During the subsequent year, she paid $360 in protection fees and $18 in interest. She still owed $100. Using her case, the attorney general of Illinois sued parent company CMK Investments for “unfair and deceptive business practices.”