Usurial is not a commonly known word and some may even mistakenly spell it as "usurial". However, the correct spelling of this word is "usurious" / juːˈzjʊərɪəs /. The IPA transcription explains that the word has four syllables, with the stress placed on the second syllable "zjʊər". The word means excessively high interest rates on loans or lending practices that are exploitative towards borrowers. Being careful with spelling is important to avoid confusion and misunderstandings in written communication.