"In toto" as an alternative for "in the end"

[Chicken Sandwich]

Can you say, instead of:

"With this loan, you'll be worse off in the end"

"With this loan, you'll be worse off in toto"?

"In toto" means "as a whole" or "totally", but I'm not sure if the second phrase retains the meaning of the first phrase.

Thank you in advance.

 

[Tdol]

It doesn't to me- in the end suggests that the loan will become increasingly less favourable over time, which is lost.