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

Short- and longer-
term personal loans

We offer fast, simple short-term loans to formally employed persons. Longer-term loans are also available to government workers in selected markets. Clients can apply at our branches or through our apps and websites, and in Zambia, our short-term loans are available through Pep stores nationwide.

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Map of Africa

our group

Unifi Zambia

Unifi South Africa

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.

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