FAQs
Our frequently asked questions will be able to answer any of your concerns or queries.
Can’t find what you’re looking for?
Kwika rewards are loyalty points that Unifi clients earn by engaging with us, whether you’re joining for the first time, making payments on time, referring friends, or borrowing again.
Once you have 100 Kwika points or more, you can instantly convert them into kwacha. To redeem: Dial *414# or WhatsApp 0966 414 414 and select option 5, or visit your nearest Unifi branch. You can also participate in Kwik Mbasela, where you stand a chance to play and win even more Kwika points.
Each Kwika point is worth K1. Here’s how you can earn them:
- First-time Unifi client: 25 Kwika points when you borrow from Unifi for the first time
- Borrowing again as an existing client: 25–50 Kwika points
- Making on-time payments: 25 Kwika points
- Referring a friend: 200 Kwika points
You can turn your Kwika into quick cash when you have at least 100 Kwika points. 100 Kwika points = 100 kwacha. Dial *414#, WhatsApp 0966 414 414 or visit your nearest Unifi branch to redeem your Kwika.
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
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.
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.
To see how your application is doing, sign in by going to “My Unifi”. If you chose Superfast (automatic bank statement sharing), your cash should reflect within the next few hours. If you uploaded or emailed your documents manually, it can 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 by going to “My Unifi”, click on “Upload” and change to Superfast.
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.
Unfortunately, not.
Our product is currently only designed for monthly earners.
Unfortunately, not.
We’ll send you a confirmation via email, and you can also check the status by signing in to your account under My Unifi.
The amount you could qualify for depends on a few things like your credit score and affordability. Repeat Unifi clients 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.
For your security, funds can only be paid into the same bank account where your salary is paid.
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.
Please email your proof of payment to [email protected]. If your account is with Colecta, kindly send your proof of payment to [email protected].
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.
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.
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.
The requirements are that you must be over 20 years old, a permanent South African citizen, formally employed, earn a monthly salary, and have your salary paid into an active bank account with ABSA, Standard Bank, FNB, Capitec, Nedbank, African Bank or TymeBank.
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 future loans or credit.
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 impact your ability to obtain employment. Keeping your account in good standing helps protect and improve your credit profile.
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.
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 review your account and assist you.
To bring your account up to date, please don’t hesitate to contact our team on 021 110 0600 or email [email protected]. They will be happy to assist you with your account balance and payment options.
Paying your arrears will help improve your credit profile and bring your account up to date. However, it does not guarantee approval for a new loan. Any future application will still go through our standard affordability and credit checks before a final decision is made.
This might mean your pay date fell on a public holiday or a Monday. As outlined in your loan agreement, when this happens we may track your debit order from the previous working day, as some employers process salaries earlier in these cases. If you are only paid the next business day, please let us know in advance so we can debit your account on the correct day.
Unfortunately, not. You’re liable to pay the amount specified in your agreement with Unifi. If you’re having trouble paying your account, please contact our collections department on 021 110 0600.
Even though your recent debit orders were received, your account may still have an outstanding balance due to earlier failed payments or disputes. This can lead to additional interest and fees being added to the account.
To bring your account up to date, please don’t hesitate to contact our team on 021 110 0600 or email [email protected]. They will be happy to assist you with your account balance and payment options.
While we do not offer a formal payment holiday option, we encourage you to contact us directly to discuss possible payment arrangements on your account. Our team will review your situation and work with you to find a suitable way forward.
Even if a payment arrangement is in place, you may still receive automated arrears notifications. These messages are sent automatically to all accounts that still reflect an outstanding balance on the system. Please rest assured that your arrangement remains on record. If you have any concerns or would like us to review your account, feel free to contact us and we’ll be happy to assist.
If you’re interested in applying for Debt Review, we recommend seeking advice from a registered Debt Counsellor. The National Credit Regulator (NCR) maintains the official database of all registered Debt Counsellors in South Africa, which you can access to find a qualified professional near you.
If you have skipped multiple payments on your account, it will be handed over to an external debt collector as per our policy. To avoid this, we encourage you to contact us as soon as possible to discuss your account and explore possible payment arrangements. Acting early can help prevent further fees and protect your credit record.
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 “My Unifi”, click on “Upload” and change to Superfast. You can also check your application’s progress on 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. Need the cash faster? Sign in by going to “My Unifi”, and click on Superfast.
Simply sign in by going to “My Unifi.” Select the account you want to settle, choose your preferred settlement date, and you’ll have the option to download the settlement quote.
Sign into “My Unifi.” Select the account you want a statement for, and you’ll be able to email your statement.
Sign in 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 clients 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. Call us on 021 11 00 600 24/7 for help.
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, African Bank or TymeBank.
Please sign in “My Unifi” to double-check that we got your payment.
Once your arrears are paid, it usually takes 7 to 21 working days for your credit report to update. If your account still shows as outstanding after this period, please contact us so we can assist you further.
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.
You can find Unifi’s banking details in your My Unifi portal, as well as on your settlement quotes and statements.
If you’re struggling to locate them, we’re happy to help, just give us a call on 021 110 0600 or email [email protected] and we’ll assist you directly
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 “My Unifi”, click on “Upload” and select “Superfast”.
ABSA, Standard Bank, Capitec, FNB, Nedbank, African Bank and TymeBank. 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.
