These are small personal loan facilities designed to provide customers with easy access to funds for their personal/consumption needs. These are in two types, individual personal loans, and guaranteed salary loans. Individual personal loans are secured standalone loans to employees who are looking for funds to meet their personal/consumption needs. Guaranteed personal salary loans are for employees guaranteed by employers and willing to channel repayments direct to Victoria Finance Plc bank accounts. These types of loans require minimum security from the borrower.