High APR is quite reasonable for very short term loans. E.g. 36% APR must be around 3% a month, which does not sound unreasonable for a one month loan. Here in the UK credit cards are very commonly at circa 20% APR.

What's important is to mandate detailed and clear information so that consumers understand what the rate exactly means and what the consequences or not repaying quickly are before they sign up. Then it's a personal choice and responsibility.