Capitec Rip-off loan scheme

Capitec loan scheme is a rip-off, settlement quote is higher than the current amount that you must pay for the long term. How does it make sense to pay more for half the period, how are these people calculating intrest, im not an accounted but intrest is generated through time, and if you beat the time there is some that you should loose, meaning paying less, in Capitec's term im paying like 3000 thousand more than my current amount for a settlement quote, Capitec is a ****, after settling this, ill be closing my account. ****s