BE CAREFUL THIS BANK IS LOAN SHARK

i opened a loan account at Capitec Bank in August 2019, for the amount of R160 000. it took the guy on the phone less than 30 minutes to confirm and approve everything, that should have been the Red Flag. i have paid the loan monthly R3 700 never missed a payment. today i decided to look at the balance only to find that i still owe the bank R149 660. i decided to do my calculations. for the 17 months i have paid a total of R62 900 and the money that has gone towards paying the loan is only R10 340. meaning that i pay R3700 monthly and only R608.24 goes towards paying the loan. Where is the rest of my money? This bank is a loan shack i will never recommend anyone to use their financial services. This Bank is a Legal loan shark its no different to the loan sharks in our communities the only difference is that they are legal.