Similar to a Loan Shark, the Loan Rat lends people money at extremely inflated interest rates. This leads to things
such as foreclosure, divorce, depression, starvation, anger, death, and even the collapse of the United States economy. The Loan Rat frequently wets the bed due to the guilt he feels in his sleep.
My wife is sick and in the hospital so I went to a Loan Rat and traded my house for a few hundred dollars, now my children have nowhere to sleep.