It's high enough, but it depends on your loan source.

Bank loans certainly don't have such high interest rates.

The interest rate of private loans is high, and the annual interest rate of 36% is not outrageous, not to mention the term is still three years.

Whether it is high or not depends on what you do with the money.

Depends on the comparison between return on investment and cost of capital.

Personal opinion, for reference only.