Qitzur Shulchan Arukh – 65:4

ד: אפלו אם הלוה נותן לו יותר מדעתו בשעת הפרעון, שלא התנה עמו, ואינו אומר שנותנו לו בשביל רבית, גם כן אסור

Even if the borrower gives him extra by his own decision at the time of repayment, without it being agreed between them, and he never even says it’s interest, it too is prohibited.

I think this din as well as the whole notion that the one who pays interest violates prohibitions (other than causing the recipient to sin) really reinforces my “lack of fraternal feeling” theory rather than seeing ribis as being an immoral act perpetrated on the borrower.

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