"We applied for the loan over two years so the first 2/3 months would have low enough repayments, but plan to pay it all off over the next 4/5 months."
That there is probably the reason. The bank make little enough off a €2k loan as it is. There is a fairly fixed overhead to setting up a loan in their books. If they think it will be paid off within 5 months, why bother?
The bank would probably (happily) give you an overdraft for the same €2000, because this tends to be more profitable for them. But it is still more of a nuisance than a profit centre.