Is the drawer of Shanghai Qincang Technology a fraud company? Usury?

Damn it, I divide an apple into 6p 4800 in stages and 398.3 every month. Staging 18 months. I divided it for eight months, and then I felt the interest was high. After eight months, I paid the best interest, which added up to 6500. If it is divided into 18 months, it may be seven or eight thousand. It wasn't like this when we parted. Say tens of dollars a month. Just pay three threes. Money was a little tight at that time, so I paid it back for eight months. I paid it back five months late, almost 2000 yuan more. K liar company