Loan settlement issue Capitec

Visited the bank N1 city to get settlement amount for my loan. Only to find out that there is no settlement amount but the balance turned out to be more than what showed on my app. Now I ask you why can other banks offer settlement amounts on loans, cars or even on your credit card but not Capitec. Been a client for many years and will be moving to another bank. Very unhappy with this. Capitec the bank that keeps on taking.