Pcp question?

[Mjsibs]

Hi guys.

So being tempted by the macan.

On a pcp found a macan s , 2019, 21k, 1 owner , good spec etc

£49k
£13k deposit
Gtfv £33,000
Monthly £197 x 37
This is £7700 in intrest payment which seems alot to me.

Question if I made a 3k over payment then essentially I'd only be paying 6.9% intrest on the balloon for 3 years , is that correct?

Is it worth doing or not.

Is it worth paying more off the balloon to reduce interest. ?

Trying to work out the best way to reduce the overall intrest paid without paying the full amount outright or a 49k personal loan.

Thank you