Capitec Bank is the worst for loan repayments

I had a loan of less than R100 000 with Capitec Bank. I was paying R6000 per month before i went to ask for instalment reduction to R4000. Just when I negotiated an instalment reduction, the outstanding increased instantly by a third. I started paying R4000 per month, but I noticed that only just below a R1000 went into reducing my outstanding balance, that is, over a R3000 goes into paying monthly charges. Is it not amazing that I will be paying a R100 000 loan for about 10 years? Since i started in 2018 I am finishing around 2028, that is a lifetime. Think before borrowing from Capitec Bank, they are the worst bank.