Minimum transparency and maximum exploitation

Sales representative at the desk are not transparent about interest rates of the loan. Plus they refused to send a copy of a contract via email or to hand it in person. When I tried to negotiate for longer payment period, she actively pushed for higher payments in fewer months which further keep the person in debt. Instead of helping and taking a profit, they aim to exploit and exploit again. I understand it is my job to read before signing. If the sales Rep avoids certain questions, abd pushes you to sign, that business is shady. Period.