Credit System

Capitec encouraged me to switch my Salary +-30k from fnb to capitec. My salary goes in every month for the past 8 months no problem, but when i apply for a small loan because of an emergency \paying back the money month end"they say they cant help me because the date on my payslip does not correspond with the date the money reflected in the account and have to wait for the next pay date?i explained that its a bank transfer and takes 2 days to clear "