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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.
