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Unifi Loan in Zambia and How to Apply

By Oluchukwu Ikemefuna

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Unifi is redefining credit in Africa with a seamless borrowing experience. Formerly known as Unity Finance, Unifi has stepped out as a loan provider for salaried workers in Zambia.

So the requirement is simple: be an employee in a government or private company and get access to a loan.

At first glance, Unifi loans may seem like payday loans, but it is more than that. It offers a convenient borrowing system that allows you to access loans through multiple channels.

The process is seamless and you do not need to do any paperwork. Talk about a formal loan with fewer formalities. 

Are you ready to explore this financial solution and get competitive loan limits as a worker? This article is your one-stop guide to understanding and applying for Unifi loans in Zambia. Let’s delve in.

About Unifi Loan

Unifi has been serving Zambians since 2006, providing quick and accessible loans to formally employed individuals in both the government and private sectors.

With 25 branches conveniently located across the country and partnerships with Pep stores, applying for a Unifi loan is now more accessible than ever. Additionally, customers can apply directly through their mobile phones by dialing *414#.

Unifi Loan Requirements

To qualify for a Unifi loan, applicants must meet the following criteria:

  1. Be formally employed with a regular income.
  2. Receive salary payments through a bank account.
  3. Provide their latest payslip and bank statement.
  4. Present an original National Registration Card (NRC).

Benefits of Unifi Loans

Unifi stands out with its customer-centric approach and a range of benefits, including:

  • Quick disbursement: Cash can be in your account within 20 minutes of approval.
  • Competitive interest rates: Enjoy interest rates as low as 6%, making loans more affordable.
  • Flexible repayment: Unifi offers flexible repayment terms tailored to suit individual needs.
  • Paperless process: No paperwork is required for loan applications, reducing hassle and delays.

How to Apply for a Unifi Loan

Applying for a Unifi loan is straightforward and can be done in minutes:

Eligibility check

Making sure you check all the appropriate boxes will determine if you are eligible for the loan in the first place. It is required that you accept their terms and conditions and that your paperwork be ready.

Visit the website

Once you have confirmed your eligibility, the next step is to visit Unifi Loans’ official website. To stay away from fraudsters and con artists, make sure you are on the correct website.

To register for a Unifi account, click the “Get Started or Apply Now” button on the website.

Create an account

Before you can get a loan, you need to open a Unifi account. This will ensure that the company has your details and knows how to relate with you as you transact further. 

Fill the form 

Complete the application form after registering for the loan on the internet. Personal information, such as your name, phone number, and email address, must be entered.

Submit and wait

Review your application and double-check the information you have provided on the application form to make sure it is accurate and consistent. Failure to do so may result in your application being delayed or denied.

Approval and loan disbursement

Wait for Unifi to process your application after submitting it. This could take a few hours or perhaps several days.

You will receive an instant credit to your bank account upon approval of your application. If it is rejected, you might need to ascertain the cause and take precautions in future applications.

Factors That Affect Unifi Loan Processing Time 

Your loan’s approval process may take longer for several reasons:

  • Credit score: A high credit score may speed up the approval process for your loan.
  • Type and size of loan: Processing times vary for different types of loans.
  • Unifi’s busyness: It can take longer if they have a lot of applications.
  • Documents: Verify that everything you provide them with is accurate and comprehensive.

Tips for Faster Loan Approval

To expedite your loan application process:

  • Maintain a good credit score.
  • Choose an appropriate loan type and amount.
  • Double-check your application for accuracy.
  • Reach out to Unifi for assistance or clarification.
  • Utilize Unifi’s online tools and resources for support.

Repayment Terms and Additional Services

Unifi offers a standard repayment term of approximately six months, allowing borrowers ample time to repay their loans. Moreover, existing customers can benefit from additional services such as part payments, top-ups, and accessing subsequent loans via USSD codes (*282#).


No one is immune to financial needs. It doesn’t matter if you own a business or if you earn good pay at a big corporation. The good thing is that when financial struggles come rushing like the wind, you can navigate them seamlessly and triumphantly. 

This is what Unifi Loans is poised to help you achieve: financial buoyancy when you’re up against the tides. Quick, easy loans without having to wait for your next paycheck. With this, you can smile as you work and never bother about overdue bills.

Will you give it a try? Let us know in the comments, and follow us on all platforms.


Can I make a partial payment?

Sure, you can transfer the remaining amount after making a partial payment. Choose your closest Unifi branch, call 0966 414 414, or use the Whatsapp app to make a partial payment.

How do I qualify for a top-up?

If you can afford to borrow extra money, you may be eligible for a top-up at any time. To find out if you qualify at this time, dial *414#, WhatsApp us at 0966 414 414, or visit the branch that is closest to you.

Will arrears interest be added to my loan if I skip a payment?

Yes. If you are unable to pay in full, you can transfer the remaining money to prevent accruing interest after paying a minimum that matches interest and fees or more.

How do I get the money when I’ve applied through the Uniapp?

Your bank account or mobile money account receives the funds.

Do I need to visit the branch to get a loan?

If this is your first time applying for a loan from Unifi, you will need to visit a branch. After that, you can use the Uniapp on your phone to access our services: To apply for a loan, dial *414# or use WhatsApp: 0966 414 414 and choose “Borrow.”


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Peremoboere Numa
Peremoboere Numa

Pere is a versatile SEO writer with a Master's degree in English, who is dedicated to creating engaging and impactful content.

She excels in weaving content that not only informs, enlightens and impacts but but also optimize its online presence to rank on major web sites.

Pere brings a unique blend of linguistic proficiency and SEO knowledge, ensuring that each piece she crafts leave a lasting impact.

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