Nedbank Personal loan

Nedbank personal loans is the worst. they say you can settle the loan at any time and yet they charge you the full term interest. I borrowed R50 000 over 5 yrs and have made R1665*43 installments which is R71595 and yet my balance is still R20 000 today. They dont give people the option to settle the loans!!!! Don't ever take a nedbank loan.