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#, 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 +260971260080 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 +260971260080 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: Dial *414# for the Uniapp or Whatsapp us on +260971260080 to apply for a loan.

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 K100 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 +260971260080 or visit any Unifi branch to apply for a balance transfer.