Shocking interest and monthly repayment of a loan

There I was, proud to settle a loan in less than a year, a loan I was supposed to pay over 64 months. Nw I want a car, I tried to apply for finance, difference from the one I settled and the one I want to take is R30k n I was gona pay the difference in cash for the car hence the R30k difference. Then boom from R2400.+a month to R3900 n some cents still cz of a R30k difference? I fail to understand. I always believed they were a better bank, bt because if this, i believe otherwise and am looking to bank elsewhere cz even my salary goes into this bank since I started working. Shocking