Usury not recoverable. Any home business loan or any credit card agreement, the contract shall not, by reason thereof, be void if a greater rate of interest than that permitted by law is contracted for with respect to any consumer credit transaction. However, if in almost any action regarding the agreement evidence is manufactured that a larger interest rate than that allowed for legal reasons happens to be straight or indirectly contracted for, the creditor shall just recover the key while the debtor shall recover expenses. If interest happens to be compensated, judgment will probably be when it comes to principal less the quantity of interest compensated. This area shall never be held to apply[, to loans] to: