Which is the more correct definition of "predatory lending"? OA Because your credit rating is low, a company charges you more interest on a loan. But the interest rate is directly related to your credit. Because your credit rating is low, a company charges you more interest on a OB. loan. But the interest rate is NOT directly related to your credit. This company charges you as much interest as it can. Because you are young and do not have a credit history, a company can OC. charge you more interest on the loan. But they can do this only if they tell you it is "predatory lending". Predatory lending is when a company only preys on the economically OD. disadvantaged and only gives the economically disadvantaged high interest loans.