No early settlement amount.

Firstly I approached capitec in 2015 cause I needed their financial help cause they are generally fast and efficient. So November 2015 I took out a loan of R33000.00 the installment chosen was R1311.00 pm over 48 months i think meaning that my loan in their books should end in November 2019. I read my contract it said that in total I would have paid back would be about R66000.00 which sounds insane but I figured I'd settle it early meaning I wouldn't be charged the huge amount of interest. Please note I am in the finance industry I do understand the term interest and the effects of interest however I still can't wrap around my head the fact that I have paid R31464.00 and the actual balance should I settle is R21900.00. So I went into the branch to get clarity on the matter. The consultant hit me with the fact that from the monthly amount of R1311.00 only R600. 00 from that amount was interest and then he told me, it was an unsecured loan,again how is this unsecured when I am being charged credit life by them cause my understanding is that their credit life covers death,disability and retrenchment . However it doesn't change the fact that here I am wanting to settle two years before term but I feel as if I'm still required to make payments for the months that I will no longer have the loan which to me defeats the purpose. What also kinda makes me mad is that they don't provide a statement whether quarterly or annually then boom you hit with these surprises.I have a bond and vehicle finance elsewhere and they provide statements . I have had a personal loan elsewhere and I used to get statements.