Salaried employees, self-employed individuals and households.
Personal finance for the things life asks of you.
Consumer & Personal Finance covers planned or unexpected personal costs beyond a single emergency.
What this can be used for
- Medical costs not fully covered by insurance
- Household or family needs
- Planned personal expenses that need spreading over time
How it works
- 1Submit your application and reason for finance
- 2ProActive carries out a standard affordability assessment
- 3Receive a written offer if approved
- 4Accept, sign, and receive funds
- 5Repay according to the agreed schedule
Who is this for?
- Verifiable, stable source of income
- Valid identification
- Meets ProActive’s standard affordability assessment
What you'll need to apply
- Applicant identification
- Proof of income (payslip, business income records, or bank statements)
Benefits
- Assessment based on verifiable income, whether salaried or self-employed
- Clear, upfront cost disclosure before you commit
- Repayment terms structured around your income cycle
Only borrow what fits comfortably alongside your existing income and other commitments.
Frequently asked questions
Emergency Finance is aimed at urgent, unplanned short-term costs with short repayment terms. Consumer & Personal Finance covers a broader range of personal needs and can have a longer repayment term depending on the amount.
Estimate the cost of Consumer & Personal Finance
Adjust the amount and tenure below for a rough, disclaimed estimate.
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Ready to apply for Consumer & Personal Finance?
Apply online or start a conversation on WhatsApp.