Early repayment Zopa

[sammc123]

Hi guys not sure if anyone can help me here but I am a little confused and need something clearing up. In October I took a loan of £14000 from Zopa at an extortionate rate of 24.5% meaning if I leave the loan for the 5 year term the total payable would be £23266! Now I am hoping to pay back this loan early in full in Jan/Feb. What I really need clearing up is would I pay back the £14000 plus whatever interest has been accumulated in the previous 5 months or would I pay the £23266 as if I had the loan for the full 5 years?

I do apologize if this sounds like a daft question to you guys but I am a little worried I could be charged the enormous amount of nearly £10k for taking out a loan for 5 months!