<prompt> Human: I am in the state of California and recently received an unsolicited piece of mail offering me a personal loan for up to 10,600 at an APR of 97.32 - 184.36. Are these kinds of rates even legal?  <response>: These are considered as payday loan type products rather than traditional loans. The rates are outrageous.Sometimes in the middle of the day if you watch network television youll see Montel with his one hoop earring, bless his heart, telling you how CashCall can have the money in your bank account by the next day. But theyre not a lender, they just connect you to a network of wonderful totally 100 non predatory lenders.Enjoy! 