Which type of contract is NOT considered contrary to public policy?

The answer identifies usurious loan contracts as the type of contract that is not considered contrary to public policy. To understand why this is the correct choice, it is essential to clarify what usury means. Usury involves charging an interest rate on loans that exceeds the legal limit set by statute. While these contracts can be deemed illegal, they are not inherently contrary to public policy on the grounds that they are often subject to regulation, and certain states may allow for high-interest loans under specific circumstances.

In contrast, contracts that are in restraint of trade are problematic as they can limit competition and distort market functioning. Unconscionable contracts often exploit disadvantaged parties, which raises ethical concerns, making them contrary to public policy. Contracts designed to commit a tort are also against public policy because they encourage illegal actions or harm to others.

Thus, usurious loan contracts, while regulated and potentially problematic, are not universally seen as contrary to public policy in the same manner as the other types mentioned. They can exist within a framework of legality and regulation, making this choice the most fitting answer.