FAQs
Our frequently asked questions will be able to answer any of your concerns or queries.
Can’t find what you’re looking for?
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 transfer the balance to the next month.
Yes, you can make a part payment and transfer the balance. To make a part payment, dial *414#, Whatsapp us on 0966 414 414, 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 *414#, Whatsapp us on 0966 414 414 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 *414# or Whatsapp us on 0966 414 414 to make a payment anytime, anywhere with the Uniapp.
The money is paid into your bank account or mobile money account.
You only need to visit a branch when it’s your first time applying for a loan from Unifi. Thereafter, you can use your phone and get our services with the Uniapp: Dial *414# or Whatsapp 0966 414 414 and select “Borrow” to apply for a loan.
It’s simple, just ask the new client you have referred to give your contact number or NRC number to the consultant processing the loan. You can then come and collect your K200 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 roll over your loan 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 *414#, Whatsapp us on 0966 414 414 or visit any Unifi branch to apply for a balance transfer.
FAQs - South Africa
If you chose Superfast, the automatic bank statement sharing option, your cash should be in your account in the next few hours. If you manually uploaded or emailed your documents, it’s kinda fast and could take up to 24 hours. Manually uploaded your proof of income and want to get your cash faster? You can still change your mind! Sign in on www.unifi.credit, go to “My Unifi”, click on “Upload” and change to Superfast. To see how your application is doing, sign in on www.unifi.credit and go to “My Unifi”.
If we didn’t get your documents, you’ve got mail or an SMS. If you didn’t hear from us, don’t stress, we have your documents and are working on your application. If you used Superfast, our automatic bank statement sharing option, we automatically got your documents. If you uploaded or emailed your documents, it’s kinda fast and the cash should hit your account by this time tomorrow. Manually uploaded your proof of income and want to get your cash faster? You can still change your mind! Sign in on www.unifi.credit, go to “My Unifi”, click on “Upload” and change to Superfast. To see how your application is doing, sign in on www.unifi.credit and go to “My Unifi”.
Sign in on www.unifi.credit and click on “My Unifi” to download your settlement quote.
Sign in on www.unifi.credit and click on “My Unifï” to download your statement.
Sign in on www.unifi.credit and click on “My Unifi” to check the balance on your account(s).
The amount you could qualify for depends on a few things like your credit score and affordability. To see what you could qualify for, apply on www.unifi.credit.
The amount you could qualify for depends on a few things like your credit score and affordability. Repeat Unifi customers who have good credit histories with us could qualify for higher limits over time, which is one of the perks of using Unifi every time you have a cash crunch.
We could offer you a limit increase at any time, depending on things like your current credit score and payment history. We’ll let you know as soon as your limit goes up. To start qualifying for higher limits, ensure you settle your account(s) on time and never skip or dispute your payments.
If you chose Superfast, our automatic bank statement sharing option, you should get your cash in the next few hours. If you manually uploaded or emailed your documents, it could take up to 24 hours. Manually uploaded your proof of income and want to get your cash faster? You can still change your mind! Sign in on www.unifi.credit, go to “My Unifi”, click “Upload” and change to Superfast. To see how your application is doing, sign in on www.unifi.credit and go to “My Unifi.
We try to make life easy for our customers and give them the peace of mind that their debit orders will be successful. We have functionality in place that allows us to track when you have enough funds to make a payment. This lowers your banking fees and successful payment helps keep your credit record in check.
There could be a few reasons for this, and it could be anything from banking issues to system downtime. If you’re stressing about missing your payment, you’re welcome to make a manual payment. Click here to pay with Ozow now or call us on 021 11 00 600.
The funds can only be transferred into the bank account into which your salary is paid.
Unfortunately, not.
The requirements are that you must be a permanent South African citizen, formally employed and earn a monthly salary, and have an active bank account with ABSA, Standard Bank, FNB, Capitec, Nedbank or Africa Bank.
Please sign in on www.unifi.credit and go to “My Unifi” to double-check that we got your payment.
Your payment information will stay on your credit profile for up to five years. The info isn’t updated automatically, but you can ask the bureau to change it if you don’t agree with it. If your account(s) has/have been paid up for more than five years and still appear(s) on your profile, you can manually log a dispute: Log into your profile on www.mycreditcheck.co.za, select “Challenge my information” and select “Prescribed” when prompted to answer “What best describes the issue?”. Call the credit bureau’s customer care team on 0861 10 56 65 if you need help.
According to Section 24 of the Companies Act 2008, there is a general rule for companies to keep records outlining that any documents, accounts, books, writing, records, or other information that a company is required to keep in terms of the act and other public regulation, must be kept for seven years or longer as specified in other public regulations.
The amount you qualify for is determined by your credit score and affordability. We are only able to confirm the amount you qualify for once we’ve done a credit check and looked at your current income and expenses.
Our product is currently only designed for monthly earners.
Yes.
Unfortunately, not.
Unfortunately, not. You’re contracted to pay the amount specified in your agreement with Unifi.
Unifi’s bank details are: FNB (branch 250655); Cheque account number 62518373577. Please use your RSA ID number as reference so we know who you are.
You can also pay through our instant online payments partner, Ozow. Simply click here. Please use your Unifi account number or ID number as reference.
Yes. If you have online banking, you can use our automatic bank statement retrieval feature. Simply select the Superfast option when you’re on the “Proof of income” step of our application. If you’ve already applied and just need to send us your bank statement, sign into www.unifi.credit, go to “My Unifi”, click on “Upload” and select “Superfast”.
ABSA, Standard Bank, Capitec, FNB, Nedbank and African Bank. Unfortunately, we are currently unable to transact with other banks.
We like to get the formalities out of the way so that we can get your cash to you asap. We promise that the DebiCheck will immediately be cancelled should your loan not be approved, or if you change your mind.
Don’t worry – the DebiCheck will be cancelled immediately. No loan = no debit check. You can hold us to it!
While our superfast process looks too good to be true, thousands of customers can confirm that we’re the real deal. You have to try it to believe it! We’re also registered with the NCR and have been offering easy loans since 2006.
Not on our watch! We’ve never charged upfront fees and never will. It’s a red flag if you’re asked for an upfront fee by “Unifi”, please call us immediately on 021 11 00 600 to report possible fraud.
FAQs - Uganda
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.
FAQs - Kenya
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 transfer the balance. To make a part payment, dial *552#, 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 *552# 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 *552# 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 *552#
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 KES500 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 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 *552# or visit your branch to apply for a balance transfer.
