Not going into why borrow from ah long, its beyond that.
Borrow 3k pay back 3k too good to be true. even friend also charge interest.
Ah long needs to make money,.
You are dealing with lawless people, no documentation, they would surely open high (+4k interest), maybe should try to negotiate. 2k down.
And why count down the clock till last minute to repay, you are dealing with ah long and should have bufferred.
End of day, your friend has opened a door way, Ah long see this as opportunity, and will come up with whatever stories to make him keep paying. The more you pay Ah long will see him capable of getting more . Good luck to him.