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Perhaps that bank teller is a Klepto, and is pocketing your payments? That would explain her expensive designer outfit and Gucci handbag? It's a sad day when the collector thug honestly remembers you paid your weekly $1000, when the bank does not...
This is intentional because paying off your loan directly relates to the story and Eva's character arc. Adding it in would cause problems when we add those things into the game. The option is there, but it doesn't take any of your money.