Personal loans

I app**** for a consolidation loan was declined because my scoring was low.However I have been banking with them for more than 5 years I maintain my accounts well. I have a bond and a credit card with Nedbank that are paid on time.To my knowledge a consolidation loan is to help you settle some off your accounts so that you only have one account to pay,and at the same time make it better to manage your finances....I wasn’t given a option to appeal,I was told I can apply in three time