You can update your bank account details up to 3 business days before your scheduled salary payment, given all debit checks are authenticated. This ensures the changes are applied on time and helps avoid being debited from your old account.
I’ve paid my account. Where do I send my proof of payment?
Please email your proof of payment to [email protected]. If your account is with Colecta, kindly send your proof of payment to [email protected].
What happens if I miss a payment?
Missing a payment will put your account in arrears and affect your credit record. It will also reduce your chances of qualifying for a new Unifi loan. If you’re having trouble making a payment, contact us as soon as possible so we can help you get your account back on track.
Can I settle my loan early?
You can settle your loan early at any time. Paying off your loan before the end date means you’ll save on interest and close your account sooner. Contact us if you’d like to settle early, and we’ll guide you through the process quickly and hassle-free.
Why was my account not debited?
There could be a few reasons for this, from banking delays to temporary system downtime. To avoid a missed payment, please contact Unifi directly on 021 110 0600 or email [email protected] so we can assist you as soon as possible.
Why should I not cancel my DebiCheck mandate on my account?
Your DebiCheck mandate ensures your payments are collected automatically and on time, helping you stay up to date with your account. Canceling it can lead to missed payments, additional fees, and a negative impact on your credit record. Keeping the mandate active makes managing your account easier and helps maintain a good credit profile.
If I want to dispute a debit order payment, should I contact Unifi?
Yes. If you believe a debit order was incorrect or needs to be disputed, please contact us directly, before taking any action. We’ll review your account, investigate the issue, and guide you through the next steps to resolve it quickly. Disputed payments are reported as arrears to credit bureaus, which will affect your credit score and your ability to access …
Why should I even worry about my credit score?
Your credit score is a record of how reliably you manage your financial commitments. A good score can make it easier to access loans, credit, and other financial services in the future, often at better rates. On the other hand, a low score can limit your borrowing options, may result in higher interest rates or declined applications, and can even …
Why is it important to contact Unifi when you fall behind with a payment?
Contacting us as soon as you fall behind helps prevent your account from going further into arrears, which can lead to extra interest and a negative impact on your credit record. It also allows us to discuss possible solutions or payment arrangements tailored to your situation, helping you get back on track more easily.
Why am I in arrears?
This could mean that we didn’t get the monthly instalment on your loan in time. This can happen if a debit order was unsuccessful, a payment was missed, or the full instalment amount was not paid. If you believe this could be a mistake or have recently made a payment, please contact us on 021 110 0600 so we can …
