Unifi Credit is a paperless loan lending agency noted for providing loans for south Africans at an affordable rate. Their loans packages can also be accessed by residents in other countries such as Zambia and Uganda. Their Services is Similar to the likes of Capfin Loans.

Zambian clients can also apply for an Unifi loan via our USSD app or at Pep stores nationwide. Scroll through to the end to find out the requirements for Unifi Credit loans and how to apply for the Unifi Credit loans within 5 minutes.

Unifi Loans Interest rate 

Once your loan has been approved and disbursed into your account by Unifi credit, the applicant is required to pay back at an interest rate of 3%. 

Requirements for Unifi loans

You need to meet the requirements below before you can secure a loan from  Unifi Credit.

  • Applicant must be at least 18 years of age Must have valid SA ID
  • Bank statements for three months
  • Payslips with  most recent records or Latest Bank Statement
  • Must be a resident in South Africa 

How to Login to Unifi Credit Account

Follow the procedure below to sign in to your Unifi Credit Account Dashboard, 

  • Visit the Unifi Credit Website here
  • Enter your ID Number 
  • Enter your Account Password 
  • Click on Login to get access to your Account Dashboard

How to reset your Unifi Credit Password 

If you have forgotten your Unifi Credit Loan Account Password, Follow the guide below

  • Visit the Unifi Credit Website here
  • Click on  forgot password
  • Enter your ID Number
  • You will receive Notice in your email on Password Reset 
  • Follow the instructions in the email to reset your account Password 

How to apply for Unifi Loans

To apply for a loan from Unifi Credit, follow the guide below 

  • Visit the Unifi Credit Loan Website via this URL https://unifi.credit/za/our-loans/ 
  • Locate Apply for Loan Button at the upper right-hand corner of the Unifi Website
  • Enter your ID Number 
  • Enter your Password
  • Click Login after entering your Login Credentials successfully,
  • Begin Filling  out the Loan application form
  • Upload your supporting documents Such as Bank Statement or Latest Payslip to prove your income
  • Once you finish filling out the Loan Application with the right information and Supporting documents, UniFi Credits will deposit cash into your account the same day
  • After the loan has been deposited into your account you have 6 months to pay back the loan with Interest. 

How to repay Unifi Loans

Unifi has a flexible repayment term of up to 6 months. Follow the guide below to repay your Unifi loan in a minute

  • First Visit the Ozow payment portal.
  • Select your bank
  • Securely log into your online banking and choose from which account you’d like to make the payment.
  • Accept the bank authorization.

Unifi Credit Loans Official Contact Information

Unifi Credit Contact Number: +27 21 110 0600 – Loan Enquiries

Unifi Credit Email: [email protected] – Loan Enquiries

+27 21 111 0888 – Corporate Enquiries

[email protected] – Corporate Enquiries

[email protected]

Unifi Credit Address: Level 2 Block A, The Vineyard, 1 Devon Valley Rd, Stellenbosch, WC, South Africa


Our guide has educated you on how to apply for a Loan from Unifi in 5 Minutes. Applicants are requested to full terms and conditions before applying for this Loan. Check out here on how to buy data bundles and enjoy amazing offers using My Vodacom SA App