The operations of Vital consist of unsecured lending in respect of a number of consumer products in South Africa and Southern Africa as well as long term vehicle rentals in South Africa.

Vital Credit

A micro financing company with a range of products and services. read more


Taking education and home improvement to Africa through finance innovation. read more

The Vital group of companies ("Vital") is a provider of a wide range of financial services products.

  • Vital provides niche and non-mainstream products not ordinarily catered for by financial institutions to its customers.
  • Management of Vital has collectively many years of operational experience in providing financial services to the emerging market in Southern Africa.
  • With its innovative product range, its dynamic approach to business development and its adaptable and current IT systems, Vital continually assesses the market and expediently adjusts or expands its product range and IT systems to cater for the ever changing needs of its customers.
  • Vital prides itself on its competent management and staff with the ability to provide quick, reliable decision making and efficient customer service.
  • With the required resources at Vital's disposal, Vital is able to invest in businesses from grass roots stage and is able to provide all-round assistance for the duration of the life cycle of the business.
  • As part of its business growth strategy, Vital supports partnering with like-minded individuals and their enterprises that practice responsible lending. Vital has formed a number of successful joint ventures in this regard and it remains an integral part of its future strategy.
  • The effective use of technology and extensive utilisation of social media contributes significantly to the growth and sustainability of Vital and its business partners.
  • With the financial services industry coming under greater scrutiny in recent times, Vital constantly seeks to adhere strictly on all compliance issues and therein develop its niche products to assist customers within the legislative framework of South Africa.
Vital Credit
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 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
Company Details
Vital Investment Holdings (Pty) Ltd
Registration number: 2008/014527/07

HC van Heerden (Managing), CA (SA)
B.Com, B.Proc, LLB, Dip. Insolvency Law
GL Robinson (Finance), CA (SA)

Registered Office
Unit G5 & G6, Stellenpark Business Park, Cnr R44 and School Street
Stellenbosch, 7600

TELEPHONE NUMBER +27 (0)21 565 0000


FACSIMILE NUMBER +27 (0)86 623 4444


P.O. Box 12053, Die Boord, Stellenbosch, 7613    

The Standard Bank of South Africa Limited
(Registration number 1962/000738/06)

De Wet's Incorporated Chartered Accountants (S.A.)
Tel: +27 (0)11 660 6600

Professional Company Secretarial and Tax Services (Pty) Ltd
Tel: +27 (0)21 565 0000

ST Ferguson (Pty) Ltd
Tel: +27 (0)11 662 5804

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