How Long Does Unifi Loans Take to Process

Unifi loan has been saving lives since it began operation. Many people run to them for money during emergencies. However, the burning question remains “How long do Unifi loans take to process?”. In this article, we will answer this question, and not only that, we will extensively explain everything you need to know about Unifi loans. Keep reading and pay close attention!

Overview Of Unifi Loans

Unifi Loans is a Fintech company and an online brand that offers short-term personal loans to eligible individuals. They offer loans with flexible repayment terms and competitive interest rates.

This reputable online lending platform acts as a helper in times of need to those who have a lot hanging on their shoulders and necks but lack what it takes to uplift them.

How Long Does Unifi Loans Take To Process?

The average processing time for Unifi loans is 24 hours. This means that after submitting your loan application you have to wait for about 24 hours for your request to be approved or rejected.

In some rare cases, it may take days and up to a week for your loan application to be approved.

Factors That Affect Unifi Loan Processing Time

Several things can make your loan take longer to approve:

  1. Credit Score: If your credit score is good, your loan might be approved faster.
  2. Type and Size of Loan: Some loans take longer to process than others.
  3. Unifi’s Busyness: If they have many applications, it can take longer.
  4. Documents: Make sure everything you give them is correct and complete.

Requirements For Obtaining A Unifi Loan

To obtain a Unifi loan, ensure that the following requirements are in place:

  • Your latest payment slip. This shows you have a means of earning.
  • Your last six months’ bank statements
  • Your National ID card
  • Email address
  • An active and valid phone number
  • Bank account details

How Much Can I Borrow From Unifi Loans?

The credit limit of Unifi loans is between R2,000 and R8,000. However, the exact amount you are eligible to apply for depends largely on the information you give, the amount you desire, and your ability to repay the loan.

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How To Apply For A Unifi Loan

Within five minutes, you can apply for a Unifi loan from the comfort of your home and office or you can apply in person at any of their branches in your area. Here is a guide to applying online;

Be Eligible

The first step is to ensure that you are eligible for the loan by ensuring that you tick the right boxes. Yes, your documents must be ready and you must agree to their terms and conditions.

Go To Their Website

The next step after ensuring your eligibility is to head to the official portal of Unifi Loans. Ensure that you are on the right site to avoid scammers and fraudsters.

On the website, click on the “Get Started or Apply Now” feature to create an account with Unifi.

Fill Out The Form

Once you have signed up for the loan application on the website, fill out the application form. You will be required to enter your personal details like name, email address, and phone number.

Review And Submit

Once you have filled out the application form, kindly double-check the information provided on the form to ensure they are correct and consistent to avoid delay in application or even denial.

Wait for Approval

After submitting the application form, wait for it to be processed. This may take between hours and some days.

Once your application is approved, your bank account will be credited immediately. If it is denied, you may have to figure out the reason for it and avoid such in your subsequent applications.

Tips To Speed Up Your Unifi Loan Application

If you want your loan faster, follow the tips below;

  • Keep a good credit score.
  • Choose the right type and amount of loan.
  • Check your application for mistakes.
  • Talk to Unifi Loans if you have questions.
  • Use Unifi’s online tools to help.

Unifi Repayment Term

Unifi offers flexible repayment terms to its customers. This means that you have enough time to repay your loan. Generally, the Unifi loan repayment term is about six months.

Unifi USSD Code

Once you become a customer to Unifi, you can apply for subsequent loans by dialing the USSD code on the phone number you used in signing in and then follow the prompts. The USSD code is *282#.

How To Contact Unifi

For complaints or clarification on anything, kindly reach out to them through any of the following means;

  • Telephone: (021) 11 00 600.
  • Email:
  • Address: Level 2 Building A, The Vineyard, 1 Devon Valley Road, Stellenbosch, 7600.


Knowing how long Unifi Loans take to approve loans is important for your financial plans. By understanding the process, what can make it take longer, and using our tips, you can go through the loan application process with more confidence.

We believe that this article was helpful. Feel free to ask questions in the comments section. We shall respond swiftly!