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.
our products and services
Salary Advances
A simple, short-term cash loan that is repaid after one month to help you get by until your next payday. It’s credit when you need it most! Formally employed persons in the government and private sectors could qualify for our Salary Advances. To apply, simply visit your nearest branch with your NRC, latest payslip and latest bank statement, or dial *414# to find out more.
- Fast, easy application in as quick as 20 minutes
- Instant cash
- Affordable interest rates
- Flexible repayments


Reward Loans
We like to reward our clients! The Unifi Reward Loan is a special offer for loyal clients that have good credit scores with us. It’s a higher amount at a lower interest rate and has a term of up to 7 months.
The Uniapp
The UniApp is like a Unifi branch in your pocket and lets you enjoy our services anywhere, anytime. Simply dial *414# to check your balance, find your nearest branch, reloan, pay, enter our latest competitions and more from the comfort of your home or office.
Unifi at Pep
You can apply for a Unifi loan or make Unifi loan repayments at Pep stores across Zambia.

Our leadership team
Lillian Bwalya
Chief Operating Officer
Lillian has extensive experience in operations, customer relationship management and branch management. This experience is underwritten by the 18 years she spent in Zambia’s finance sector. Lillian holds a Diploma as National Accounting Technician, a degree in Banking and Finance and an MBA from Herriot –Watt U.K.
Roberto Bona
Chief Financial Officer
Roberto has extensive experience in Financial Management in large multi-national corporations, serving as Chief Financial Officer for 10 years. He holds a Bachelor of Accounting Sciences Degree from the University of South Africa. He is trained under the SA Institute of Accountants and is a licentiate member of the Zambian Institute of Chartered Accountants (ZICA).
Tinky Naidu
Internal Operations Manager
Tinky has extensive experience in logistics and operations. She brings her competitive edge and outstanding analytical and operational expertise to the company with her vast knowledge in the industries of retail, hospitality, manufacturing, inventory management and sports.
Mulenga Sichangwa
IT
Mulenga is an insightful ICT professional with a firm grasp of enterprise environments, developed over an 11-year career. He is responsible for ensuring Unifi's innovative enterprise systems are operational and providing a seamless experience for both staff and clients. He holds a bachelor's degree in computing and IT security, and is currently pursuing a Certified Digital Financial Partitioner (CDFP) certification with the intent of broadening his understanding of the evolution of digital payments and services.
Ruth Della-Lucia
Operations
Ruth started out in the microfinance industry in 2004, after she joined a multinational microfinance company in Zambia. She has gained experience in general office administration, loan consultancy and human resource administration. Ruth is currently enrolled with the Association of Business Executives in Zambia and furthering her studies with a degree course in Business Management.
Kawang’a Kapijimpanga
Marketing
Kawang’a has over 7 years’ experience in the microfinance sector. She has extensive knowledge in the sector, having worked in various departments. She is responsible for growing the business, managing relationships with our new and existing key corporate clients. She is also in charge of corporate and digital marketing. Kawang’a holds an honors degree in Economics from the University of Namibia, a Masters of Science degree in Economics and Finance and is currently pursuing a postgraduate diploma in Marketing.
Cecilia Likando
HR & Facilities
Cecilia has over 7 years’ experience in microfinance. She oversees administration and is also responsible for infrastructure, security and maintenance of all our branches. She holds a diploma in Human Resource Management from NIPA, a degree in Library and Information Studies from the University of Zambia, and a master’s degree in Business Administration.
Our values
Unity
Our purpose unites us. We share our ideas and knowledge and celebrate achievement as a group effort. Because together, we can do more.
Dignity
We see the humans behind the numbers and treat our clients, colleagues and stakeholders with respect and dignity.
Simplicity
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.
Trust
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
16 Sep 2020
USSD app and new branches make life easy for clients in Tanzania
Ultimate Finance, the Unifi Group’s business entity in Tanzania...
16 Sep 2020
Why is the roll-out to Unity Finance so exciting?
This is a very important moment in the history of our group. System...
16 Sep 2020
First steps into Uganda
We believe in the potential of the African continent and its people, and have...
16 Sep 2020
Unifi partners with Pep Zambia
We’re excited to announce that Unifi loans are now available at Pep...
16 Sep 2020
Unified by our new brand identity
Dunami, our short-term online loans offering in South Africa, and Unity Finance...
7 Sep 2020
Unibos will soon be making life easy for Unity Finance
Unifi’s world-class operating system, Unibos, will go live in Zambia on...
Careers
Nyauka Ntambu
Operations
Our great service to our clients and our caring culture is based on a sense of community mindfulness, and our village concept promotes wellness. We put our values at the forefront of everything we do, respect everyone that walks through our doors, and make sure they go back with a smile. Life made easy.