An unsecured loan is a loan that does not require collateral. You do not need a car logbook, title deed, or any other asset to qualify. Instead, approval is based on your income, employment status, credit score and ability to repay.

For employed Kenyans, unsecured loans provide a convenient way to get money for school fees, medical expenses, emergencies, home improvements, or other financial needs.

Who qualifies for a fast unsecured loan in Kenya?

• Latest payslip
• Latest bank statement
• Original National ID

There is no need for collateral, an employer MOU, or a check-off agreement.

How to apply for a fast unsecured loan

1. Get a quote online

Visit the Unifi website https://unifi.credit/ke/#getquote to find out how much you may qualify for. The process is fast and simple.

2. Prepare Your Documents

Bring the following documents:

3. Visit a branch

• Latest payslip
• Latest bank statement
• Original National ID

A Unifi consultant will verify your documents and complete your application.

4. Get your money

Once approved, your loan can be paid out in cash, as mobile money, or directly into your bank account.

What does the loan cost?

• Interest rates from 6% to 19.7%
• Flexible repayment terms

All costs are explained upfront before you accept the loan.

Existing Unifi Clients

Already a client? Access your next loan even faster through:

• USSD: *552#
• WhatsApp: 0702 552 552

How much can I borrow?

The amount you qualify for depends on your salary and repayment capacity. You can check what you qualify for here.