Loan taken out, can anyone ELI5 as the banks don’t make sense.

Hello, I’m financially illiterate and awful with maths. My mom took out a loan without my knowledge as needed it for medical emergency. Can anyone ELI5?

Mother took out a loan of £10,000 in January 2025

The duration of the credit agreement was 60 months from date of drawdown.

Repayments are 60 repayments of £232.57 due each month.

The total amount to be repaid is £13,954. (This includes interest of £3954.20)

The fixed annual rate is 13.97% on said loan. The APR is 14.90%

My mother paid £231 into the account in January. And it now looks like at the end of January the loan has gone up £117.

She still has £8000 remaining from the loan. Is it worth paying off, why would it be going up so much each month, or is it going up 15% with a £14,000 payment regardless just for taking the loan out? Can someone ELI5 as she’s never done loans before and always been financially fine.