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My Unifi

Apply

FAQs


APPLY FOR UP TO R8000

CHOOSE A LOAN AND COMPLETE OUR QUICK ONLINE APPLICATION.



APPLY FOR A LOAN

Example loan

LOAN AMOUNT

R8 000

REPAYMENT TERM

6 MONTHS

MONTHLY REPAYMENT

R1 730

TOTAL REPAYMENT

R10 344

INITIATION FEE

R995

MONTHLY FEE

R69.00

INTEREST

3%

APR

95.9%

All fees are VAT inclusive. Min APR of 95.9%. Max APR of 121.1%. Customers enjoy
flexible repayment terms and can set their minimum repayment term at a period
that suits them with a maximum repayment term of 6 months.

CHOOSE YOUR LOAN AND COMPLETE A QUICK, 5-MINUTE ONLINE APPLICATION. YOU’LL
INSTANTLY GET YOUR ANSWER AND CASH SENT STRAIGHT TO YOUR BANK ACCOUNT.


DO YOU QUALIFY FOR A LOAN?

 * 1
   
   YOU’RE A SOUTH AFRICAN CITIZEN OVER 20

 * 2
   
   YOU’RE FORMALLY EMPLOYED

 * 3
   
   YOUR SALARY IS PAID MONTHLY INTO A BANK ACCOUNT

 * 4
   
   YOU BANK WITH ABSA, FNB, STANDARD BANK, CAPITEC, NEDBANK OR AFRICAN BANK

Apply


LOANS IN MINUTES

We offer simple, short and longer-term microfinance.



OUR TECHNOLOGY

Learn more about our in-house loans management system.



DO YOU HAVE A QUESTION?

Our frequently asked questions will be able to answer any of your concerns or
queries.
Read our FAQs



WHAT’S IN THE NEWS


ONLINE LOAN APPLICATION SIMPLIFIED

Unifi stands at the forefront of seamless online loan application and puts
financial relief at your fingertips.



QUICK LOANS ARE MAKING LIFE EASY – HERE’S HOW

Here are five ways loans have become faster than ever before. 



Unifi is redefining credit in Africa with a unique touch-and-tech approach that
sees warm human interactions combined with outstanding tech.

Unifi is a registered credit provider and follows strict guidelines as
prescribed by the Regulator. Reg. no.: NRCP4849.

2024 © Unifi Africa
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OUR TECHNOLOGY

Our in-house loans management system, Unibos, was developed in South Africa and
powers operations in our businesses across Africa. Our IT team enjoys
continuously building and improving on a system that’s one of the best of its
kind on the continent.

Our USSD app, the Uniapp, enables returning customers in Zambia, Uganda and
Kenya to make their loan repayments or borrow with their mobile phones.

Our online business in South Africa uses various in-house and third-party tools
to offer customers the convenience of getting a loan anywhere, anytime and money
sent straight to their bank accounts within minutes of applying.