Do not sign a loan with them, you pay the full terms interest in the first 2 years

I bought a car from Kia Paardeneiland 2 years ago, I said I wanted a loan that does charge monthly interest and that I do not want to be with MFC as they do not. I was shown on my quote that it will be monthly interest. Looking at my balance I could see that they added 8 years interest already. I sent them a request for settlement and advised them to please send me the correct documents. I had to email several times to get the correct documents. They did not even have the outstanding months correct. I advised them in my original email that I am referring it to the NCR, they still did not care to produce quality documents or feedback. I then escalate it to the NCR, copying them in and suddenly get messages that their escalated call center will call me in 48 hours. Today a week later I get a call from someone who did not know the history of my query, kept asking me what quote I am referring to (even though I attached it and highlighted it) and confirmed that of the R160 000 interested that they charge for 8 years in full I have already paid back R100 000 in 2 years and that is how their loans work. This means that you pay all the interest upfront and when you asked for a settlement balance, they do not discount the future interest. THIS IS **************** and not what I wanted.