Refused Assistance Witout Verification&Explanation

I went to Capitec bank, my bank where my salary is paid, I asked to apply for a loan. The lady asked me for my payslip, asked me few questions then she said come back in 6months and try, you will not qualify, I cannot assist you. I tried to explain why I need a loan and how urgent it is, she said no sorry. you will not afford, come back in June. Im very disappointed that now Capitec manually calculate and decline us, why are we having our salaries paid to Capitec if we get such bad attitude and bad service. Very pathetic and insensitive since I have to bury my close uncle, which happened unexpectedly.