Short-term loan calculator

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This short-term loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

Why choose Unifi loans?

Unifi Loans is a friendly, dependable place for South Africans to get quick loans when money’s tight. Here’s why they’re worth checking out:

1. Quick and Easy Loan Process

Unifi makes getting a loan super simple. You can apply online or pop into one of their branches, and it doesn’t take much paperwork—just a few basic things. They usually say yes or no in minutes, and if it’s a yes, the cash hits your bank account that same day. It’s perfect when you need money fast.

2. Transparent and Flexible Terms

Unifi keeps everything clear—no surprise costs sneaking up on you. They let you pick a way to pay them back that fits what you can afford, and you’ve got up to 6 months to do it. If you need a bit more cash or extra time, they’re okay with adding to your loan or stretching it out a little.

3. Trusted and Regulated Lender

Unifi’s a proper, registered lender in South Africa—they follow the country’s big money rules, called the National Credit Act. That means they’re fair and you can trust them, so you don’t have to worry about dealing with shady folks.

4. Competitive Loan Amounts

You can ask Unifi for up to R8,000, depending on how your money looks—they figure out what you can handle. It’s set up for short-term stuff, like fixing a sudden problem or covering a gap until your next paycheck.

5. Proven Track Record

Unifi’s been helping South Africans with loans—thousands of people have used them and liked it. They say over 7 out of 10 people who borrow from them come back again, which shows folks feel good about how they’re treated.

6. Strong Customer Support

Unifi’s got a team ready to help you out whenever you’re stuck or have questions. You can call them or send an email, and they’ll walk you through anything—never leaving you hanging when you need a hand.

7. Financial Inclusion and Support

Unifi really wants to help people who don’t always get a shot at loans—like if your credit’s not perfect but you need cash quick. They’re all about giving you a chance when others might say no.

Unifi loans is a fast, honest way to get short-term loans in South Africa. They make it easy, keep things clear, and stick by you with good help, plus they’ve got a solid history of happy customers. If you need some quick cash to tide you over, they’re a great pick.

Unifi Loans FAQ

How much can I borrow with Unifi Loans?

You can borrow anywhere from R1,000 to R8,000 with Unifi Loans—it depends on what you can afford to pay back and how your money stuff looks to them.

What are the repayment terms for Unifi Loans?

You can pay back the loan over 1 to 6 months. How long you get depends on how much you borrowed and what they think you can handle.

Is Unifi Loans a registered lender in South Africa?

Yes, Unifi Loans is signed up with South Africa’s National Credit Regulator—they’ve got the official okay with the number NCRCP4849, so they follow all the rules.

Can I apply for a loan if I have bad credit?

Sure, you can still try even if your credit’s not great. Unifi doesn’t just look at that—they check your whole money picture, like what you earn and owe, to see if you can swing it.

Do I need to be employed to qualify for a Unifi Loan?

Yep, you’ve got to have a steady job or regular money coming in—they’ll want to see your bank statements to make sure.

Can I apply if I receive a SASSA grant or other government benefits?

No, Unifi only works with people who get a paycheck from a job, not grants or benefits like SASSA.

How long does it take to get loan approval?

If everything’s sorted with your details, Unifi can say yes in a few minutes. Sometimes it might take a couple of hours if they need to double-check stuff.

When will I receive the money once my loan is approved?

Once they say yes, the cash usually hits your bank account the same day—worst case, you’ll see it by the next day.

How will I know if my loan application is successful?

They’ll shoot you a text or email to let you know your loan’s good to go—no waiting around wondering.

Does Unifi perform a credit check?

Yeah, Unifi takes a peek at your credit past to see what’s up, but they also look at your pay and bills to figure things out.

Why was my loan application declined?

They might say no if you can’t afford it, your credit’s really rough, or you gave them some wrong info by mistake—those are the usual reasons.

What is the interest rate on Unifi Loans?

The interest—what extra you pay—changes depending on your loan and your money situation. Unifi shows you the full cost before you say yes, so there’s no guesswork.

How do I repay my loan?

Unifi takes the money straight from your bank account on the days you picked—no fuss, it just happens.

Can I repay my loan early without penalties?

Yup, you can pay it off faster if you’ve got the cash—they won’t charge you extra, and you might even save a bit on the interest.

What happens if I miss a repayment?

If you miss a payment, you might have to pay a late fee—around R50 or so—and it could ding your credit. Tell Unifi quick if you’re stuck—they’ll try to help you out.

Are there any hidden fees or charges?

No sneaky stuff here—Unifi tells you everything you’ll pay upfront, so you know the whole deal before you start.

Can I extend or top up my loan?

If you need more money or time, Unifi might let you add to your loan or stretch it out—just check with them, and they’ll see if your paychecks can handle it.

How do I check my outstanding balance?

You can see how much you still owe by logging into your Unifi account online or giving their support team a shout.

What should I do if I’m struggling to make repayments?

If you’re finding it hard to pay, call Unifi right away—they might shuffle things around to make it easier for you.

Can I apply for another loan while I still have an active one?

You might get another loan if you’ve paid off most of the first one and your money’s still looking good—they’ll check to be sure you’re not overstretched.

How do I update my personal or banking details?

Just hop into your Unifi account online or give their support folks a call to change your info—like if you switch banks.

How do I contact Unifi Loans customer support?

You can get hold of Unifi through their website, ring them up at +27 21 110 0600, or swing by a branch if you’re close.

What should I do if I have a complaint about my loan?

If something’s off, tell Unifi’s customer service first. If they can’t fix it, you can take it up with the National Credit Regulator—they’re there to sort things out.

How does Unifi protect my personal and financial information?

Unifi keeps your details safe with tight security—like locking your info in a box only they can open—so no one else can see it.

Can I cancel my loan after approval?

You can back out if you change your mind quick—usually within a day or two. Just call Unifi fast and let them know.

Unifi Loan Application

Do I qualify for a loan with Unifi?

Unifi makes it pretty simple to figure out if you can get a loan with them. Here’s what they’re looking for to say yes:

• You’re a South African citizen or you’ve got a permanent resident stamp.
• You’re 18 or older—grown-up enough to borrow.
• You’ve got a job or some regular money coming in.
• You’ve got a bank account here in South Africa.
• You’re not way behind on bills or in big credit trouble—though if your credit’s a bit messy, they might still give you a shot.

Unifi does a quick check on your money stuff to see if you fit the bill—it doesn’t take long.

What are the loan requirements?

To get a loan going with Unifi, you’ll need to gather up a few things they ask for:

• Proof of identity – A valid South African ID or passport—something that shows it’s really you.
• Proof of income – Your latest payslip if you work, a bank statement showing what’s coming in, or papers proving you get social grants.
• Bank account – An active South African bank account where they can send the money.
• Proof of residence – A utility bill or anything with your address on it—might depend on how much you’re borrowing or what kind of loan you want.

Process

Getting a loan with Unifi is nice and easy, and it doesn’t drag on—here’s how it works:

1. Application
   You can apply online at Unifi’s website or pop into one of their spots if you’re nearby. They’ve got a short form to fill out, and you send in those papers—like your ID and proof you’re making money.
2. Approval
   Unifi looks over what you sent and does a quick check on your credit—it only takes a few minutes. If they’re happy with it, they’ll tell you right away, usually the same day you ask.
3. Fund Disbursement
   Once they say yes, the money goes straight into your bank account. If you’re quick about it, you might see it that same day, or it could be just a couple of hours.
4. Repayment
   You pay them back based on what you both agree to—Unifi lets you pick a plan that works, usually between 1 and 6 months.

Timeline

• Loan Application – Takes about 5-10 minutes online—or a little longer if you go to their place.
• Approval – Happens fast, usually in just a few minutes.
• Fund Disbursement – Hits your account the same day or within hours, depending on when you apply.

All in all, Unifi keeps things moving—you could have the cash in your pocket the same day you ask, no long waiting around.