Unifi Loans 2025
Get flexible personal loans up to R150,000 with no early settlement fees and competitive rates from 15% p.a. Apply online with same-day approval.
Unifi Highlights
Why Choose Unifi Loans?
No Early Settlement Fees
Pay off your loan early without penalties
Flexible Repayment
Choose repayment terms that suit your budget
Quick Approval
Get approved within 24 hours
Competitive Rates
Interest rates from 15% per annum
Transparent Pricing
No hidden costs or fees
Digital Process
Apply online with mobile app support
Choose Your Unifi Loan Product
Unifi Personal Loan
Flexible personal loan with competitive rates and no early settlement fees
Unifi Consolidation Loan
Consolidate multiple debts into one affordable monthly payment
Unifi Emergency Loan
Quick emergency loans for unexpected expenses
Unifi Business Loan
Business loans for growth, equipment, and working capital
Unifi Personal Loan - Complete Details
Key Features
- No early settlement fees
- Flexible repayment options
- Quick online application
- Same-day approval possible
- Competitive interest rates
- No hidden costs
- Multiple payment methods
- Excellent customer service
- Transparent terms
- Mobile app access
Key Benefits
- No early settlement penalties
- Flexible repayment terms
- Quick approval process
- Competitive rates
- Transparent pricing
- Excellent service
Requirements
- Minimum income R6,000 per month
- Employed for at least 3 months
- South African citizen or resident
- Age 21-65 years
- Valid bank account
- Good credit record
- Proof of income required
- Contactable references
Unifi Loan Calculator
Loan Details
Monthly Payment
Enter loan details and click "Calculate Unifi Loan" to see your monthly payment
Early Settlement: With Unifi, you can pay off your loan early without any penalties, potentially saving thousands in interest charges.
How to Apply for Unifi Loans
Pre-Application
Check eligibility and gather required documents
Online Application
Complete the quick online application
Document Upload
Upload required documentation
Quick Assessment
Unifi reviews your application
Approval & Funding
Receive approval and loan funds
Unifi Loan Eligibility Requirements
Personal Requirements
- South African citizen or permanent resident
- Age between 21-65 years
- Valid South African ID document
- Contactable references
Employment
- Permanently employed for at least 3 months
- Minimum income varies by product
- Valid employment contract
- Salary slip and employment letter
Financial
- Valid South African bank account
- Good credit record
- Affordable debt-to-income ratio
- No current debt review
Documentation
- Recent payslips (3 months)
- Bank statements (3 months)
- Proof of residence
- Additional documents as required
Expert Tips for Unifi Loans
Check Your Credit Score
Review your credit report before applying to ensure accuracy and improve your chances
Compare Loan Options
Consider all Unifi products to find the best fit for your specific needs
Prepare Documentation
Have all required documents ready to speed up the application process
Calculate Affordability
Use loan calculators to ensure the monthly payment fits your budget
Take Advantage of Flexibility
Choose repayment terms that align with your financial situation
Consider Early Settlement
With no early settlement fees, you can pay off your loan faster to save on interest
Frequently Asked Questions
What makes Unifi different from other lenders?
Unifi stands out with no early settlement fees, flexible repayment terms, and a fully digital application process. Their focus on transparency and customer service sets them apart from traditional lenders.
How quickly can I get approved for a Unifi loan?
Unifi offers quick approval, often within 24 hours for complete applications. In some cases, same-day approval is possible, especially for emergency loans and existing customers.
Are there really no early settlement fees?
Yes, Unifi does not charge any early settlement fees. This means you can pay off your loan early without penalties, potentially saving significant amounts in interest charges.
Can I apply for a Unifi loan online?
Yes, Unifi offers a fully digital application process. You can apply online, upload documents digitally, and even sign your loan agreement electronically, making it convenient and efficient.
What credit score do I need for a Unifi loan?
While Unifi doesn't publish specific credit score requirements, they generally look for borrowers with good credit history. A score of 650+ typically improves your chances of approval and better rates.
Important Information
Before You Apply
- • Check your credit score and report
- • Calculate your debt-to-income ratio
- • Gather all required documents
- • Compare loan products and terms
- • Consider your repayment capacity
Contact Unifi
- • Phone: 0861 864 34
- • Website: www.unifi.co.za
- • Email: info@unifi.co.za
- • Live Chat: Available on website
- • Hours: Monday-Friday 8AM-5PM
Disclaimer: Interest rates, terms, and conditions are subject to change and individual assessment. Loan approval depends on credit check, affordability assessment, and meeting eligibility criteria. This information is for general guidance only and does not constitute financial advice.