In totality you are actually paying less because your residual goes up 10%, which is $4,100. The inverse of that is you have 12 fewer months to pay the total loan on 24 instead of a 36 term. Your 36 term looks lower on a monthly payment because the dollars are stretched out farther but you are paying more overall.
Also what rebates are being applied? You can qualify for up to $4,500 in rebates from Alfa depending on your location and competitive lease/ownership The average is $2,750 which, if you qualify, would mean you are only getting $840 discounted from the dealer. Ideally you want to push as close to 10% off from the dealer before any rebates are applied. If you can’t get there, wait it out.