Based on the comments I have decided to flip both middle fingers to this bank and look elsewhere. Thank you all for your help!

Thanks for the super detailed comment.

I'm lucky enough to be in a position where I can pay off a loan early, but from what I gathered, the bank in question will still charge you 38 years of interest, even if you pay it all back in say 20 years.

They don't, that's why I was a bit confused. If you decide to pay back early, you still have to pay 38 years worth of interest.