@josh0335,
I do not think it is unethical for someone to ask to borrow and the lender to charge and interest fee based on a percentage and length of time as long as the borrower is clearly made aware of what the percentage and length of time are.
However, lots of not easily understood wording, and the use of different size print always leaving me questioning the ethics of the lender
Lost1
P.S. If a family member or friend is in need, I feel better when I give without being asked, expecting nothing in return. I loan with interest, especially to those who appear poor money managers. They are easily spotted, they are the ones who return asking for another loan. If loan is not repaid - the lending is cut off. It's better for them, and easier for me.