Vecto Finance has been providing easy and affordable short term credit to employed South Africans since 1999. This is offered through responsible employers who understand these needs and wish to provide decent, transparent and affordable access to credit to their staff. Our unsecured short term loans are exactly that: o We publish our rates and fees in an easily understandable format. Clients know exactly what they are in for. o We do an affordability calculation on behalf of applicants to ensure that they are borrowing (and we are lending) responsibly. o ALL our practices and pricing comply FULLY with the National Credit Act. o We offer third party payments Employers also benefit through participation in that: o Their staff is not exploited and gets a fair deal. o They are fully informed of debt and repayment commitments of their staff. o No need for staff loans with the concomitant problems. o The offering of a formal employee benefit is good for staff relations. o In qualifying situations we will settle garnishee orders thereby getting people out of their debt traps and removing the administrative burden for the pay office.