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Unifi Loans offers fast and simple credit solutions to people in Zambia who need money for personal or emergency use. With growing demand for financial services, Unifi stands out by providing loans with minimal paperwork and easy repayment options.
What is Unifi Zambia?
Unifi Zambia is a financial company that provides loans to individuals through easy online and mobile platforms. It operates in several locations across the country and aims to help people who need short-term credit.
What services does Unifi offer?
Unifi offers personal loans, salary advance loans, and top-up loans. These services are available to employed individuals who meet basic requirements.
Who can apply for a Unifi loan?
To apply for a Unifi loan, you must be a Zambian citizen, employed, and have a valid ID and recent payslips. This ensures that you can repay the loan on time.
How to Apply for a Unifi Loan
You can apply for a Unifi loan using your phone or by visiting a nearby branch. The process is simple and takes only a few minutes.
Step-by-step guide to online application
1. Visit the Unifi Zambia website.
2. Click on “Apply Now.”
3. Fill in your personal and work details.
4. Upload your ID and payslip.
5. Submit your application.
Documents needed for Unifi loan application
National Registration Card (NRC)
Latest payslip
Mobile number
Bank account details
Eligibility criteria
You must be at least 18 years old, employed, and earn a steady income. Unifi checks your details before approving your loan.
Using the Unifi USSD Code for Quick Access
Unifi makes it easy to apply or check your loan using a short USSD code on your mobile phone.
What is the Unifi USSD code?
The Unifi USSD code is *414#. You can use it on any network to apply for a loan or check your balance.
How to use the USSD code to apply or check balance
1. Dial *414# on your mobile phone.
2. Follow the menu instructions.
3. Choose to apply for a loan or view your loan status.
Understanding the Unifi Loan Calculator
The Unifi loan calculator helps you know how much you will pay before you apply for a loan.
How to access the calculator
Visit the official Unifi Zambia website. Look for the loan calculator tool and enter your desired amount and repayment period.
Benefits of using the loan calculator
You know your monthly repayment amount.
It helps you plan your budget.
It avoids surprises during repayment.
How Much Can You Borrow from Unifi
Unifi loans vary depending on your income and repayment ability.
Minimum and maximum loan amounts
You can borrow as little as K200 and up to K50,000 depending on your salary and credit score.
How loan amounts are decided
Unifi checks your income, repayment history, and employment status before deciding how much you can borrow.
Tips to increase your loan limit
Repay on time
Keep your job stable
Update your personal details
Repayment Terms and Interest Rates
Unifi loans come with fixed repayment terms and clear interest rates.
Loan duration and repayment plan
Loans are repaid monthly over a period of one to six months. Payments are deducted directly from your bank account or salary.
How interest is calculated
Interest is calculated based on the loan amount and repayment duration. It is fixed, so you pay the same amount each month.
What happens if you delay payment
Late payments may lead to penalties or reduced loan amounts in the future. It’s important to pay on time.
How to Contact Unifi Zambia
You can contact Unifi Zambia for support through several phone numbers and online options.
Unifi Zambia contact number
The main contact number is WhatsApp 0966 414 414 You can also find updated numbers on their website.
Unifi loans contact number
You may also reach their customer care through 0966 414 414 or email: [email protected] during working hours.
Customer support availability
Customer care is available from Monday to Friday, 08:00 to 17:00. Support is limited on weekends and holidays.
Unifi Branch Locations and Working Hours
Unifi has branches across Zambia with working hours set for customer convenience.
List of major Unifi Zambia locations
Unifi operates in Lusaka, Kitwe, Ndola, Chingola, and other towns. Branch details are listed on their website.
Unifi working hours in Zambia
Branches are open from Monday to Friday, 08:00 to 17:00. Some branches also open on Saturdays from 08:00 to 12:00.
Best time to visit
Visit in the morning to avoid queues and get quick service
Benefits of Choosing Unifi Loans
Unifi offers fast processing, flexible amounts, and simple repayment options.
Quick approval
Loan decisions are made within hours, and approved loans are disbursed on the same day.
Easy application process
You can apply from your phone or visit a branch. The forms are short and easy to fill.
Trusted financial support
Unifi has helped thousands of people across Zambia with fair and honest lending services.
Final Thoughts on Unifi Loans in Zambia
Unifi loans give you simple access to credit when you need money fast and without long processes. Whether you apply online or through USSD, the process is quick, and the support team is ready to help.
Frequently Asked Questions (FAQ)
1. What is the Unifi USSD code in Zambia?
The Unifi USSD code is *414#.
2. What is the Unifi Zambia contact number?
You can call +260966 414 414 or email: [email protected]
3. How do I apply for a Unifi loan?
Apply online through their website or dial *414# to apply using your phone.
4. Can I check my loan status using my phone?
Yes, use the USSD code *414# to view your loan balance and repayment status.
5. How long does it take to get the loan?
If approved, Unifi sends your money within a few hours.
6. What are Unifi working hours?
Monday to Friday: 08:00 to 17:00. Saturday: 08:00 to 12:00 at select branches.
