We take smarter, easier, and faster unsecured lending solutions to underserved markets across Sub-Saharan Africa.

our purpose

We’re redefining personal credit with innovations that will make life easy for 1 million clients by 2025.

We’re making life easy

We assist people in a way that they might not have expected from a lender and that makes them go: “Wow, that was easy!”. Our products help people to achieve even more, and to move forward despite life’s setbacks.

We’re redefining personal credit

We use word-class data analytics and tech to offer credit that looks and acts unlike any other similar product in the markets where we operate.

We move fast, but tread lightly

We move forward fast to pioneer ideas and deliver outstanding products to previously under-served clients. But we tread lightly, and the footprints we leave behind help the people whose lives we touch to achieve even more.

Products & services

Fast, simple personal loans

We offer fast, simple personal loans to formally employed people in Sub-Saharan Africa. Our loans can be accessed through our branches in Zambia and Uganda, and online in South Africa. Zambian clients can also apply for a Unifi loan via our USSD app or at Pep stores nationwide.
get in touch
Short- and longer- term personal loans
unifi group - map

our group

Unifi Zambia

Unifi South Africa

Unifi Uganda

our leadership team

our values


Our purpose unites us. We share our ideas and knowledge and celebrate achievement as a group effort. Because together, we can do more.


We see the humans behind the numbers and treat our clients, colleagues and stakeholders with respect and dignity.


We offer credit that makes life easy when there’s an emergency, rather than add to the stress. Our products are easy to get and to understand.


We are transparent and credible. Our clients, partners and stakeholders can trust that we’ll do the right thing and that we’ll do things right.

latest news


Shehaam - Client Care


Client Care
They say, “you are the company you keep”, so I’m thrilled to be part of a diverse, inclusive team that motivates me to become better every day.
Jacques -Data Analytics


Data Analytics

We’re encouraged to come up with innovative solutions to the current multifaceted credit industry and are always looking for opportunities to do pioneering work within the African credit market.

Chantel - Operations



The Unifi Culture is special – it has a positive effect on everyone who works here.