I did not apply for a loan

Hi, my name is Bongekile, I received a message stating that I might qualify for a loan from finchoice, so responded to the message wanting check how much I qualify for and the response was declined. To my surprise yesterday afternoon I received message from my Capitec bank account saying there is amount R39991.00 credited to my account of which no one called me to confirm if I really wanted the money or not. I called in to the finchoice office to tell them I don't need the loan and the lady I spoke to by the name of Nandi told me that even if finchoice takes the money I still need to pay monthly installments which I have no idea how much because no call me to explain how did receive the loan without even agreeing to any terms and conditions.