Rating based on 9 reviews


  • Short-term Loans up to R8,000
  • Low-interest starting from 104%
  • Repayment up to 6 months

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Unifi homepage
Author Unifi. Screenshot of Unifi website.
[Accessed May 11, 2023]

About Unifi

Unifi is a registered credit provider that offers short-term loans to individuals that are formally employed.

They assist people across Southern Africa with loans, offering repayment terms from 1 to 6 months. Their goal is to give you the opportunity to overcome obstacles and reach your goals. Unifi has offices in Zambia, South Africa, Uganda and Kenya, allowing them to serve clients from South Africa, and the Sub-Saharan region.

Easy access to short-term finance

Unifi’s mission is to ensure that hard-working individuals who experience temporary setbacks or need short-term finance for a project have easy access to it.

Unifi’s leadership team have decades of combined experience under their belt to ensure you get the best service when applying for your short-term loan.

Unifi is registered with the NCR, which is the National Credit Regulator. The NCR is a government department that ensures fair lending practices among loan providers.

Affordable short-term credit

Unifi is creating solutions to financial emergencies with its affordable short-term loans. There are a number of situations where you need a financial injection. Unifi is making the lending process quick and easy to get you back on track.

This financial services provider is based in Stellenbosch and has listed several ways to contact them.

Unifi has been offering easy and affordable finance options since 2006. Before they were known as Unifi they went by the names Cobol and Dumani.

Focused on the customer experience

Unifi’s LinkedIn and Facebook pages are all about their customers. Regular responses and good reviews are a testament to their focus on your journey. The simplicity of the application process is another way they make it easier for you.

Everything has become fast-paced. People do not have time to stand in a queue or fill in tedious forms. Unifi has a simple, quick online application process which eliminates the need to take time off to apply for an emergency loan.

Unifi Services

Unifi offers short-term loans of up to R8000.00 with repayment options of 1, 3 or 6 months.

These short-term loans, also known as payday loans, are one of the most commonly applied for credit products in South Africa.

Short-term credit ideal or emergencies

Unifi offers a specialised service. They only have short-term loans and are experts in the field. Instant or same-day payment is essential for emergency loans, and by removing the queues and paperwork Unifi can react immediately to a request for a loan.

  • Loans offered by Unifi are term loans, which means that you won’t have access to revolving credit. If you need to apply for a second loan it’ll be a separate transaction.
  • Loan amounts are capped at R8000.00 to ensure responsible lending practices, Unifi does not want to make you over-indebted.
  • Maximum repayment term is 6 months to allow you to repay the debt quickly.
  • Same-day payment of your loan amount, if your loan is approved.
  • Home page loan calculator, to assist you in deciding affordability on repayments.
  • Access to free online tools to assess and maintain your credit score.
  • Online application process.
  • Simple uploading of documents on their website.
  • Easy to follow directions during the application process.
  • Registered with the NCR.

Unifi offers more than a typical debt review service, they offer a viable and convenient solution when you need it.

Who qualifies for a Unifi short-term loan?

People who are over the age of 18 with proof of identity, are formally employed and have an active bank account can apply for a loan.

If you’re blacklisted or under debt review, you may not qualify for an Unifi loan. For more information on your credit score, there are links to free tools on the Unifi website.

Unifi – Short-term Loan

  • Loan Type Short-term Loans
  • Interest Rate 104212% p/a
  • Loan Amount up to R8,000
  • Repayment 1 month to 6 months

Benefits of Unifi

  • Flexible repayment terms available
  • Same-day loan approval
  • Simple online loan application

Short-term Loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This short-term loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

Register for your Unifi Loan and get cash in seconds

No one wants to jump through hoops and contend with a long drawn-out application process. Unifi understands that and has made it as simple as possible for their clients, while still maintaining the FICA requirements.

The majority of South Africans have access to the internet. Unifi understands that usually money is needed urgently, which is why their entire application process is done on their website.

Benefits of online applications

  • Uploading documents is easy and quick. If you have any problems uploading any required documents, contact Unifi customer support.
  • Approval notification will only take a few minutes.
  • No queuing or meetings needed, just a few online clicks.

Step-by-step Unifi credit application process

  1. You need to decide on the amount you’d like to borrow and make sure the repayments are affordable.
  2. Enter your ID number to continue the application process.
  3. On the next page, you’ll need to enter your basic information, including your gross income.
  4. You’ll receive an OTP on your phone and enter it on the website.
  5. From there you’ll need to upload your proof of income.
  6. You can use the smartsharing service or you can upload your documentation.
  7. Once all your documentation has been uploaded you can expect a response within 24 hours.
  8. The loan amount will be paid directly into your account once the repayment terms have been accepted.
  9. To manage your loan account you can log into MyUnifi and view your loan agreement, repayments and balance owing.

Unifi is a registered financial services provider that makes loan applications and repayments for employed people simple.

Their goal is to help you get back on track as soon as possible, without facing years of repayments. Unifi prides itself on customer service and quick efficient service.

Get in touch with Unifi

The Unifi website is easy to use and is accessible 24 hours a day. They have a Facebook page, a contact number, and email if you have any questions.

Overall the online reviews for Unifi are positive and there is regular feedback for problems brought to the attention of the support team.

Unifi knows that sometimes even the best plans go wrong and urge you to contact them if at any time, for any reason, you’re unable to make payment. As with any loan agreement, you should take the time to familiarise yourself with the interest and administration charges.

Unifi Contact

Physical Address

  • 2nd floor Building A, The Vineyard, 1 Devon Valley Rd Stellenbosch 7600 South Africa
  • Get Directions

Opening Hours

  • Monday 08:00 – 17:00
  • Tuesday 08:00 – 17:00
  • Wednesday 08:00 – 17:00
  • Thursday 08:00 – 17:00
  • Friday 08:00 – 17:00
  • Saturday 08:00 – 12:00
  • Sunday 08:00 – 12:00