refusal of nedbank loan installment reduction

I have a personal loan with Nedbank, my account is up to date and is only four months old, my husband unfortunatley works for himself and with the current outbreak most business are affected, which leaves me to see to all bills etc, i called Nedbank today to make an arrangement with reduction of my installment to what im able to afford right now until things go back to normal for us financially, i also asked if i could reduce temporarly as i would revert back to my normal installment eventually.. i was told no amd that i can only qulaify for a reduction on my installement if my account is 6 months and older?can they do this? would they rather refuse less than nothing at all, right now im in a finacial predictament which would force me to close my account and in the end not pay my account at all.. please help