FNB is lying NCR is based on affordability not on loan terms

I am with fnb for the past 30 years having a active account but I am not happy with how they do things and they will tell about ncr when it suits them yesterday I app**** for a personal loan because I I need of money asp but it was declined due to criteria I don't said the consultant I was busy with on app but later yesterday when I opened my app now the offer of the loan is there but is not what I was looking for they give me short term loan not a personal loan what pains me is that in this 30 years fnb have never gave me a personal loan but they rather give short term loans that are not helping with a lump sum last year alone they give me short term loans for the hole year which put a strain of trying to meet my goals but they will tell you that ncr is the one grunt loans based on affordability which is the lie if they can give me short term loans for they with too much interest but fails to give a personal loan with long term e.g 30,000 for 2 years but they rather giving 6000 for 6 months when fishing they give you 8000 for 6 months now tell me where does ncr feed in this equation ...I don't know South Africans will relate personal loan is better than short term loans because with personal loans you borrowing according to your want but ncr doesn't engage on how long you pay the loan but is based on affordability fnb is lying when they say ncr is the one who determines how long you want to pay loans