Vital Credit's unsecured lending operations are mainly payroll based, in that the customer's installment is collected by way of a payroll deduction facility agreed with the employer of the customer.

These payroll deduction facilities are exclusively agreed with a wide range of private sector employers.

At no risk, no cost and little administrative burden to the employer, Vital Credit provides a range of products at preferential rates to the employees of the employer through the portal constituted by the payroll deduction facilities.

The ultimate result is that the employees have hassle free access to affordable products, which greatly assists the employer with ensuring the general financial wellbeing of its employees.read more

ProAid Holdings Lesotho (Pty) Ltd, is the Lesotho based holding company of a number of operational financial services companies.

These companies are registered as Credit Only providers under the Financial Institutions Act of 2012 and regulated by the Central Bank of Lesotho.

These companies offer innovative products to support home improvement, education finance, vehicle and asset finance and shorter term emergency loans for medical and funeral assistance to government and private company employees where payroll deduction agreements and facilities are in place with the employer. read more