Get a loan without security.
Get a quick quote online and visit your nearest branch for your loan.
If we make you an offer, you will need to visit any Unifi branch with your National Identification Document (ID), your latest payslip and your bank statement showing your latest pay.
our purpose
We’re redefining personal credit with innovations that will make life easy for 1 million clients by 2025.
We’re making life easy
We’re redefining personal credit
We use word-class data analytics and tech to offer credit that looks and acts unlike any other similar product in the markets where we operate.
We move fast, but tread lightly
We move forward fast to pioneer ideas and deliver outstanding products to previously under-served clients. But we tread lightly, and the footprints we leave behind help the people whose lives we touch to achieve even more.
our products and services
Zako Loan
A simple, short-term cash loan that is repaid after one month to help you get by until your next payday. It's credit when you need it most! Formally employed persons in the government and private sectors could qualify for our Zako Loan. To apply, visit our branch or dial *552# for info.
- No security required
- Fast, easy application in as quick as 20 minutes
- Instant cash
- Affordable interest rates
- Flexible repayments

Reward Loans
The Uniapp

Caxton House
Caxton House
Cnr. of Koinange and Standard Streets
(opp. Bruce House)
Nairobi
Thika
The Coconut Grill Building along Kenyatta Highway (next to QuickMart)
Thika
Westlands
The Mall
Westlands
Nairobi
our values
Unity
Our purpose unites us. We share our ideas and knowledge and celebrate achievement as a group effort. Because together, we can do more.
Dignity
We see the humans behind the numbers and treat our clients, colleagues and stakeholders with respect and dignity.
Simplicity
We offer credit that makes life easy when there’s an emergency, rather than add to the stress. Our products are easy to get and to understand.
Trust
We are transparent and credible. Our clients, partners and stakeholders can trust that we’ll do the right thing and that we’ll do things right.