FNB takes advantage of young people

FNB recently notified me that I am pre-approved for up to R8000 loan. I’m trying to grow my credit so I decided to apply for it. The app took me to a page where I saw a sliding scale with amounts on it, the bottom amount being R0 and the top amount being R8000. When I moved the scale, it would show the corresponding monthly repayment amount below the total loan amount and it stated a 6 month repayment period.

I decided to go with only 5k, the repayments were around R1200 on the app application so I found it affordable. Come the end of the month, I’m looking for the exact minimum repayment amount so I can deposit it into the loan account and they tell me that it is a temporary loan which has to be paid within 31 days ? The agent then told ME to provide proof that what I was shown on the app was otherwise. How am I supposed to reasonably do this as a consumer ? I was not screen recording the application process.

I felt so taken advantage of and deceived. I know for a fact that what the app showed me IS DIFFERENT to what I got in the end which just feels disgusting a predatory. I lodged a complaint and no one even got back to me. If you are considering FNB as your bank as a young person, my advice is - DO NOT EVEN BOTHER. Just look at all the 1 star reviews that they don’t even care enough about to respond to. Ask yourself if this is the kind of experience you want.