African Bank Personal Loans

-In 2020, I got a loan of R 62 000.00 and they said the principle debt will be R 130 000.00. - I thought by agreeing to pay more than R 4 000.00, the repayment period will be 36 months. - I decided to check my statement early last year as I was of the mind that I'm left with less than 12 months to settle the debt. I was so shocked when I receive my statement, reflecting that Start Date: 2020/01/11 End date: 2026/07/18 Installment: R 4 365.77 - I thought R 130 000.00 included their interest and the R 4 365.77 is my installment of R 3 600 and the rest is their administrative charges. I think this is ridiculous. May you kindly assist?