A Zako loan is repaid when you get your next month’s salary. But we’re flexible! You can choose to make a minimum payment that equals the interest or more and then reloan.

Yes, you can make a part payment and reloan. To make a part payment, dial *282#, or visit your nearest Unifi branch.

You could qualify for a top up at any time, depending on whether you can afford to borrow more. Dial *282# or visit your nearest branch to see if you qualify at this time.

Yes. If you are unable to make a full payment, you can pay a minimum amount that equals interest and fees or more and transfer the balance to avoid arrears interest.

Simply dial *282# to make a payment anytime, anywhere with the Uniapp.

The money is paid into your bank account or mobile money account.

No, you can also apply for a loan through the Uniapp by dialing *282#

It’s simple, just ask the new client you have referred to give your contact number or National ID to the consultant processing the loan. You can then come and collect your UGX20,000 from any of our branches at a time that suits you.

Visit your nearest Unifi branch with all supporting documents.

A balance transfer means that you transfer your loan balance to the following month. To do a balance transfer you will need to make the minimum payment that’s due on your current loan. Simply dial *282# or visit your branch to apply for a balance transfer.