A hardhearted lender is also known as a USURER, which is a person who lends money at an exorbitant rate of interest. This type of lender typically takes advantage of people in desperate financial situations and charges them high rates of interest that they can't afford to pay back. Usurers often use unethical tactics to get their money back, such as threatening legal action or repossessing property. They are generally seen as unscrupulous and exploitative, taking advantage of those in need.