Published: 2026-05-19 | Last updated: 2026-05-19 | Author: Sarah Mitchell, Financial Analyst
Repaying your Unifi Credit loan on time is the most important step in maintaining a healthy credit record and avoiding additional charges. Unifi offers several convenient payment methods, and the platform monitors your account automatically to track when sufficient funds are available.
Repayment via Debit Order (Primary Method)
Unifi uses an automated debit order against your salary account as the primary collection method. When you sign the loan agreement, you authorise Unifi to debit your account on the agreed repayment date(s). The system tracks your salary deposits and initiates the debit once sufficient funds are confirmed, which also minimises unsuccessful debit-order fees on your side.
How to manage your debit order:
- Log in to your Unifi account at za.unifi.credit/login.
- Navigate to My Unifi to view your current repayment schedule and upcoming debit dates.
- Contact Unifi at least 3 business days before your debit date if you need to make any changes.
Instant Online Payment via Ozow
For manual or advance payments, Unifi supports Ozow, an instant EFT payment gateway:
- Visit unifi.credit/za/ or log in to your account.
- Select the payment option and choose Ozow.
- Use your Unifi account number or SA ID number as the payment reference.
- Complete the instant payment through your bank's online platform.
Bank EFT (Manual Transfer)
You can also pay via a standard bank EFT using the following details:
| Detail | Information |
|---|---|
| Bank | FNB |
| Branch code | 250655 |
| Account type | Cheque |
| Account number | 62518373577 |
| Reference | Your RSA ID number |
Always use your RSA ID number as the payment reference so Unifi can match the payment to your loan account.
Early Repayment
Early settlement is permitted at any time. Interest is calculated on a daily basis, so settling early reduces the total interest you pay. To arrange early settlement:
- Log in to your account and check the current outstanding balance.
- Make the full settlement amount via Ozow or bank EFT.
- Unifi will close the account and issue a paid-up letter once the funds clear.
Repayment Methods Summary
| Method | Speed | Fee | Instructions |
|---|---|---|---|
| Debit order (auto) | On salary date | None (from Unifi) | Default — authorised at signing |
| Ozow instant EFT | Immediate | None (from Unifi) | Via account portal or phone |
| Bank EFT (manual) | 1–2 business days | Bank-dependent | Use ID as reference |
What Happens if You Miss a Payment
If a debit order fails or a payment is missed:
- Unifi may charge a returned-debit-order fee in line with the National Credit Act.
- Penalty interest may accrue on the overdue amount.
- Persistent non-payment will result in the default being reported to the credit bureaux, which will negatively affect your credit score.
- In serious cases of non-payment, Unifi may proceed with legal collection, including summons and potential court judgment.
If you anticipate difficulty making a payment, contact Unifi proactively at +27 21 110 0600 or clientcare@za.unifi.credit before the due date.
Best Practices for Repayment
- Never cancel or block the debit order without first settling the outstanding balance.
- Keep sufficient funds in your salary account around the expected debit date.
- Use Ozow to make advance payments if you want to reduce your interest cost.
- If you experience financial hardship, reach out to Unifi early — they may offer a repayment arrangement.
- Keep your email and phone number updated in your Unifi profile to receive timely payment reminders.
FAQ — Repayment
Q: Can I change my debit order date? Contact Unifi at +27 21 110 0600 at least 3 business days before the current scheduled date to request a change.
Q: Is there a penalty for paying early? No. Early repayment is encouraged and reduces your total interest cost.
Q: What should I do if I cannot make a payment? Contact Unifi immediately at clientcare@za.unifi.credit or call +27 21 110 0600. Proactive communication may help prevent adverse credit bureau listings.
Q: How do I get a paid-up letter after settling? Contact Unifi's client care team once the final payment clears. They will issue a settlement confirmation letter.