WASTE OF TIME??

This is my first time dealing with African Bank. Here is my story: I app**** for a loan online on the 7/8 August 2019, submitted all the necessary info etc. I received a call from a consultant who verified the information with me again and told me I provisionally qualify for a certain amount and that I need to visit a branch.. I went to the branch on 10th August, spoke to a consultant, she took my information, all my documents and asked me if I mind walking around in the mall a bit and come back after a while or she will call me to come back because she has to wait for them to verify the information etc. After a while I went back, she confirmed that I qualify for the amount I was offered provisionally. I filled out an expense form, she explained everything to me, offered me a loyalty card. I signed a million documents (contract/agreement) confirming the loan. She told me the funds will be paid in either the Monday/Tuesday and that she will phone me. Monday passed and Tuesday is almost gone too. I phoned the call centre twice and they advised me 'it's still in process' but I should make sure my phone is on. They also said I should contact the branch for more info. Second step was then to call branch. Consultant then checked online and also said HO is still busy with it, they are trying to confirm employment and they need to do a bank review still. Do you want to know what my problem is? WHY CONFIRM THE LOAN AND MAKE ME SIGN ALL THOSE DAMN DOCUMENTS FOR A LOAN THAT SEEMS TO ME HASN'T REALLY BEEN APPROVED YET? That is a WASTE of PRECIOUS TIME!!! Also, I am not aware of anybody who 'tried' to confirm my employment at my company (AND YES I WOULD KNOW IF ANYBODY DID OR NOT). I've read quite a few reviews about loans being approved and then after a few days of silence it comes out that it was DECLINED. WHO does that??? Is that what's going to happen in my case too? I need ANSWERS and ASAP too!