Unfair Treatment from MFC

Last year in June I entered in a financial contract with Motor Finance Corporation of Nedbank regarding the purchace of a new Hyundai Accent. Unfortunately the car was ****** in February this year and my account with MFC was subsequently settled. I am currently looking for a new vehicle and surprisingly, MFC is reluctant to enter into an agreement with me regarding the scheme ran by Hyundai for the very same Accent, which involves instalments of around R3800.00 at an interest rate of 9%. Instead, the bank want to lend me at 13%, with monthly instalments of R5300. At the time my car was ******, my instalments were around R3800. I find this unfair as I would still be paying R3800 monthly, had my car not been ******. I need answers from MFC as to why I cannot qualify for the current scheme.