I really don’t know what the rates are but I would suspect they are for sure in the 18-25% range. I suspect usury rules, if they still exist, would put a ceiling under 30% anyway. Once you hit the 18% level, it is extremely hard to get out from under the loan though. It’s a trap even though I do understand the need for higher rates to cover a poor risk.
Just this week now our church is starting a personal finance class teaching the Dave Ramsey method. (We’re having a debt free celebration at church too after a hard fund raising event.) I don’t agree with everything Ramsey teaches but I do know his methods have helped many people in other churches.