Unifi Credit (Pty) Ltd
Unifi is an Authorised Financial Services Provider and a Registered Credit Provider
Company Reg. no.: 2010/019713/07, Credit provider Reg. no.: NCRCP4849
Phone:
021 110 0600
Website:
https://unifi.credit/za/
Unifi is a digital lender in South Africa that provides quick microfinance loans online.
The application is simple, the decision is fast, and the funds are paid directly into your bank account.Loan Terms
- Loan amount: up to R12,000 for the first loan
- Up to R24,000 for repeat borrowing
- Loan term: from 1 to 6 months in the product summary, with a maximum repayment term of 9 months
- Interest rate: 3% with APR from 95.9% to 121.1%
Borrower Requirements
To qualify, you must be a South African citizen over 20, formally employed, and paid monthly into a bank account.
Unifi also requires you to bank with ABSA, FNB, Standard Bank, Capitec, Nedbank, African Bank, or TymeBank.
How To Apply
- Choose your loan amount and repayment term on the Unifi website.
- Complete the online application form, which takes about 5 minutes.
- Provide your personal and banking details so Unifi can assess your application.
- Wait for the instant decision after submitting the form.
- If approved, receive the cash in your bank account.
How To Repay
- Repayment is linked to the chosen term and amount, and the total repayment is shown before you accept the offer.
- You should repay according to the schedule shown in your loan agreement to avoid extra costs or penalties.
Key Features
- Unifi offers a fully online process with fast approval and bank transfer payout.
- The lender highlights flexible repayment terms, VAT-inclusive fees, and a simple 5-minute application.
- It also uses a personalized loan structure, so the final offer depends on your profile.
Example loan: Loan Amount R8 000, Repayment term 6 months, Monthly repayment R1 730, Total repayment R10 344, Initiation fee R995, Monthly fee R69.00, Interest 3%, APR 95.9%
