Loan Application process is so disappointing!

I am so shocked at FNB's service. Your App asks for a "reason" why I am applying for a personal loan. I select the option that says 'Medical Emergency" because that's exactly what I needed the funds for!!! I then get a message saying that the loan has been approved and i think everything is sorted, all i need to wait for is the funds. Apparently that's not how it works. I call into the Call Centre to find out why this is taking so long because usually FNB would approve and deposit the funds within minutes. I am then told that the funds will not be deposited as i have 2 profiles and need to go into a branch and link them before they money can be deposited. Guys i have a damn emergency! My sister needs to pay he medical bills by Friday or else they will not deliver her baby! When am i going to have time to go to a pathetic branch and stand in long queues to link a damn profile!! you guys are so disappointing. I had so much confidence that the loan would be approved and paid out in minutes, yet im sitting here now with no funds to help my sister! After all this time banking with you guys, absolutely shocking