Suniland Funiture Transportation Alliance Bank TAB / Easy Pay Finance Charging 130% intrest in the state of New Jersey (Usury) Neptune City New Jersey

I purchased a living room set (1,960.81) approximately mid October 2017. I made a down payment of $460.81 on Oct 23,2017. Financing the remaining $1500 with "Easy pay finance"(Transportation Alliance Bank). The furniture was delivered on Oct 28,2017.The agreement was $182 per month for 3 months only to pay a $40 fee if loan ($1500) is paid off in it's entirety. I made 2 payments($182 each) Nov 11th & Dec 11th. I realized I was unable to pay the remaining balance of $1136 in it's entirety within the 90 days. I go back to my contract to review terms and conditions to realize I'm going to Incur an exuberant interest rate of 130% on the remaining balance.

I did contact the lending company (Easy Pay Finance) to verify this rate being accurate as the representative confirmed it was and that it was ok for them to charge me this ridiculous interest rate. Suniland Fine Furniture where I purchased the set from actually filled out information online (sight unseen) on my behalf only asking me to confirm certain basic information such as name address bank account info excreta. I would have never guessed I was being set up for usury, because I would have never signed up for a 130% interest agreement. This was never brought to my attention quite naturally because they wouldn't have gotten the sale. I communicated with the owner of Suniland furniture and he completely denied any responsibility for the situation. Thank you for this forum for others to see these crooks & to possibily prevent anyone else from getting caught up with them.