Our story

We've been making life easy since 2007.

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Unifi - Africa - Our story

Unifi has its roots in Zambia,

where it started as a microfinance business named Unity Finance in 2007. In 2015, it was acquired by the Unifi Group (today, Unifi Africa). In the following year, a South African online lender named Cobol, which started in 2006, was acquired by Unifi. In 2020, both Unity Finance and Cobol rebranded to Unifi.

Unifi Africa’s first startup, Unifi Uganda, started operations in 2021, while the second startup, Unifi Kenya, opened its doors in Nairobi in 2022.


Unifi is redefining personal credit with innovations that will make life easy for 1 million clients by 2025.

We’re optimistic about the future and have conviction in the potential of the African continent and its people.

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Our Purpose

Our Purpose

Unifi is redefining personal credit with innovations that will make life easy for 1 million clients by 2025.

We’re optimistic about the future and have conviction in the potential of the African continent and its people. Our products enable people to achieve even more.

We move fast but tread lightly, leaving footprints that help guide the way forward for those whose lives we touch.