Maximum rates are set state by state. In your state (Montana), it appears that the highest rate is the greater of 15% or 6% more than prime. Since prime is currently 5% or so, 15% would be the maximum rate. See, for example, Montana code section 31-1-107. If being charged in excess of that, not only would amounts in excess of the 15% rate not be legal, but you may be able to get back double the excess over 15% which you did in fact pay. See code section 31-1-108. You may wish to consult with attorney about possibly taking legal action.
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