Capitec compound Interest is a ****

Personal loan from capitec is a ****😒. So i took a personal loan of 100k December 2019 installments is R3683.69 per month for 6 years. And last year for a couple of months I had to make arrangements due to covid affecting the whole country and I was paying R2300 and never missed payments regardless and so this Means for the passed 2years I should have paid 68k already but only to find out that from the R3683.69 that I currently paying only R780 is going to the loan and the rest is interest which is R2383.67 😳😳😳 and insurance 🤣😂😂🤣😂. And I am adviced to put R500 extra to help take the loan down 🤣🤣 guys I am already paying almost 4k where will I get the extra money 🤷♀️🤷♀️. No thoroughly explanation was made to me when I was talking this loan and only when I saw that my balance was not going down on my app that I was explaned about the coumpand interest nwhich is 27 % PER MONTH WHICH IS RIDICULOUS, I HAVE ADVISED PEOPLE ON MY FACEBOOK TO NEVER EVER TAKE LONG TERM LONG ESPECIALLY FROM CAPITEC