Loan amountUp to R 12 000
Repayment term3–9 months
Published APR95.9–121.1% APRPublished APR; not nominal interest

What to know at a glance

For new customers. The range below applies to this customer group. It is not a limit offered to everyone.

First-time limit up to R12,000. A minimum loan amount has not been confirmed in this directory. Approval and your final terms depend on the lender’s assessment.

Fees and the full cost

Unifi’s R8,000 / 6-month example publishes VAT-inclusive fees. Those figures are not a universal quote.

Initiation fee
R995 including VAT in the R8,000 / 6-month example. A universal fee formula is not confirmed.
Monthly service fee
R69 per month including VAT in the representative example.
Credit life / protection
The reviewed South Africa product page and FAQ do not specify compulsory insurance, a premium, its calculation basis or replacement-cover conditions. Confirm whether cover applies and request its terms.

Compare your total repayment as well as the monthly instalment. Ask for a written quote showing the exact rate, initiation fee, service fees and insurance applicable to you.

A detail worth checking

The official article gives a R12,000 first-time limit; a minimum and returning-customer limit are unconfirmed. The homepage example’s instalments and total do not reconcile. Its 3% interest label has no explicit period. We display the separately published APR, without deriving a repayment.

Before you apply

  • South African citizen over 20
  • Formally employed
  • Monthly salary paid into own active bank account
  • Supported banks: Absa, FNB, Standard Bank, Capitec, Nedbank, African Bank, TymeBank
  • FAQ excludes debt-review/insolvent applicants and weekly/fortnightly/self-employed income schedules

What happens next?

The button takes you to Unifi’s official product page. You decide whether to start an application there. The lender may request documents, obtain consent for credit checks and assess affordability.

Browsing Fairloan does not constitute an application. We do not collect your identity number, documents or contact details, and we cannot predict approval.

Sources and registration

Registration information published by the lender: NCRCP4849. This is not a live registry verification. Check the NCR register and confirm the legal entity before applying.