UNIFI loans

When it comes to loan providers in Zambia, UNIFI Loans has distinguished itself as a trusted and reliable service, offering a blend of flexibility, accessibility, and customer satisfaction to all Zambian civil – servants.

After consulting with multiple branches and hearing from real clients, we’ve gathered valuable insights into why UNIFI Loans is a preferred choice for thousands of borrowers from civil service. In this post, we’ll break down everything you need to know about UNIFI loans, from interest rates to the loan application process and why we have ranked it among the best 14 best online instant loans for civil servants in Zambia.

Screenshot of an example of how UNIFI Loans are calculated.
Screenshot of an example of how UNIFI Loans are calculated.

One of the standout features of UNIFI loans is their competitive interest rates, which range from as low as 6% to 19.6% annually, and an APR (Annual Percentage Rate) of 135%. In our research, we found that UNIFI offers some of the most affordable loan rates in Zambia, making it a favourable option for individuals seeking financial assistance without the burden of high interest.

UNIFI ensures that its loan services are accessible to a wide range of customers. With over 40 branches located across all 10 provinces of Zambia, borrowers can easily find a branch nearby. For added convenience, UNIFI also offers online loan applications, ensuring that clients can apply for a loan anytime, anywhere. UNIFI’s broad network across different countries further enhances its accessibility. There is no need to cover long distances for your loans. This system of online loan application is also done by Biumoney, Zamloan and ZamCash

Flexibility is key when it comes to repaying loans, and UNIFI understands that. Borrowers can choose repayment plans ranging from 1 month to 7 months, depending on the loan amount acquired. This flexibility allows clients to utilise their repayment schedules to fit their financial situation, ensuring a stress-free repayment process. If you want to have more than one loan on your pay slip try UNIFI.

Whether you’re looking for a small amount to cover an emergency or a larger sum to fund a project, UNIFI has you covered. Loans range from K250 to K30,000, providing financial support for a variety of needs. With such a broad range of loan amounts, UNIFI caters to both modest borrowers and those requiring larger sums of money.

UNIFI goes beyond just offering loans; they reward their clients for bringing in new customers. Through their referral program, you can earn K200 for every friend you refer who successfully acquires a loan. This incentive not only boosts customer engagement but also offers a financial benefit for loyal clients.

Speed matters when you need quick financial assistance. With UNIFI, once you visit a branch with all the necessary documents, your loan can be processed within just 20 to 30 minutes. This swift service ensures that you get your funds quickly when you need them the most.

UNIFI Loans, Requirements.
UNIFI Loans Requirements.

To qualify for a UNIFI loan, there are a few basic requirements:

  • You must be formally employed.
  • Your salary must be paid into a bank account.
  • You need to provide your latest pay slip.
  • You must submit your most recent bank statement.
  • You are required to have your original National Registration Card (NRC).

Applying for a UNIFI loan is simple and straightforward:

  • Visit any UNIFI branch.
  • Submit your documents.
  • Allow the branch to process your information.
  • Receive your money within minutes.

You can also apply again by dialling *414# on your phone.

For more information or assistance with your UNIFI loan, you can reach out using the following methods:

– Call: 414

– Dial: *414# 

– WhatsApp: 0966414414

– Email: contactus@unifi.credit

– Website: https://unifi.credit/zm/

Q. Apart from salary advances, what else does UNIFI offer?  

A. UNIFI offers loans of up to K30,000 with repayment terms of up to 7 months.

Q. I am an existing client. What documents do I need for a top-up loan?  

A. No additional documents are required. Simply dial *414# or contact UNIFI via WhatsApp at 0966414414 to check your eligibility.

Q. How do I qualify for a reward loan?  

A. Your eligibility depends on your payslip and credit history.

Q. Can I make payments at any branch? 

A. Yes, you can make payments at any UNIFI branch.

Q. Does UNIFI have an app?  

A. Yes, the UNIFI app is available on the Play Store for easy access to your account.

Q. How can I get a loan statement?  

A. Simply dial *414# and request a loan statement.

Conclusion

UNIFI Loans has proven to be a dependable financial partner for many Zambians especially civil – servants – offering competitive interest rates, flexible repayment terms, and swift loan processing. Their wide branch network and online application options make loan accessibility convenient for borrowers across the country. Whether you’re seeking a small loan for an emergency or a larger sum for personal projects, UNIFI has options set ‘’bwino bwino’’ (wonderfully) to meet your needs. With added benefits like a referral program and fast loan approval, UNIFI stands out as a top choice for those looking for a reliable loan provider in Zambia.

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