Regret settling my loan.

So last month I took out a loan with capfin, my first debit order went off and after that I decided to settle the remaining balance in full as I want to keep a clear credit record. Then a day later my car breaks down. I then check on the website whether theres no way of applying for a loan again. I called the call centre and was advised the "system" automatically decides based on my credit record if I should qualify again I will be receiving an sms. As far as I know this needs to be made more clear on the T's and C's that a credit check will be done randomly to check whenever a loan offer is available. If I had known I would not be able to get a loan again then I might as well have never settled the first loan in full and just stick to the monthly payments as it was only for 6 months.