@basis The importance of the safety aids is realised only when they help us out of a potentially harmful situation. However , looking that you are running on a tight budget and looking for max possible loan amount , i'd suggest the Active. Give it better & bigger tires and you are good to go. Remember , ABS etc have made their presence felt in these cars only recently. We have all been driving non-ABS cars forever and learnt to drive on such cars . So, safe and careful driving ,following the rules and regulations are more important than relying merely on ABS etc to protect ourselves in unforeseen circumstances. Go for the Active. Black grill in the Punto looks super. Gurjinder. P.S. I wish matters get resolved in your life ASAP. God bless.