I read both of the links you suggested before posting, i did google this subject before finding this site to post a question. The only reason i asked this question is possibly there may be exceptions that are not referenced to on those sites.
As to your obligation to answer...if you don't...
Your question: "A storage shed is for sale for $9245.00 cash or make payments of $385.21 for 48 months.
Is this not usuary? Thats almost 40% interest."
Im in Arkansas...