Unifi Credit provides a secure online account portal — referred to as My Unifi — where borrowers can manage every aspect of their loan relationship. The portal is web-based and accessible from any internet-connected device; there is no dedicated South African mobile app at this time.
How to Log In to Your Unifi Account
- Open your browser and navigate to za.unifi.credit/login.
- Enter your South African ID number in the username field.
- Enter your password.
- Click Log In.
- You will be directed to your account dashboard (My Unifi).
Login URL: https://za.unifi.credit/login/
Features of Your Unifi Account Portal
Once logged in, you can:
- View your active loan details — principal, outstanding balance, next payment date, repayment schedule.
- Check payment history — all past transactions and debit order records.
- Make a manual payment — initiate an Ozow instant payment directly from the portal.
- Upload documents — submit updated payslips or identity documents when required.
- Update contact information — change your phone number or email address.
- Request a settlement figure — see exactly how much is required to pay off your loan early.
- Access loan agreement — download or view your signed pre-agreement statement.
- Contact support — raise queries or lodge a complaint through the portal's messaging function.
Troubleshooting — Common Login Problems
Cannot Log In
- Confirm you are using your South African ID number (not a username or email) as your login identifier.
- Make sure you are using the correct password. Passwords are case-sensitive.
- Clear your browser cache and try again, or switch to a different browser.
Forgot Password
- On the login page, click Forgot Password or Reset Password.
- Enter your registered SA ID number or email address.
- Follow the instructions in the reset email to create a new password.
- If no email arrives within 5 minutes, check your spam folder or call +27 21 110 0600.
Not Receiving OTP / SMS
- Confirm your phone number is correct in your account profile.
- Check that you have network signal and that the number has not been blocked.
- Contact Unifi support to update your number if it has changed.
Payment Not Reflected in Account
- Online payments via Ozow typically reflect immediately. Manual EFT payments may take 1–2 business days.
- If a payment is still missing after 2 business days, email clientcare@za.unifi.credit with proof of payment.
FAQ — Login and Account Portal
Q: What is the Unifi Credit login URL? https://za.unifi.credit/login/
Q: What do I use as my username? Your South African ID number.
Q: Can I manage my loan from a mobile browser? Yes. The My Unifi portal is mobile-responsive and works on any smartphone browser.
Q: Is there a dedicated mobile app for South Africa? Not at this time. The web portal at za.unifi.credit/login is the primary account management tool for South African customers.
Q: Who do I contact if I am locked out? Call +27 21 110 0600 or email clientcare@za.unifi.credit during business hours.
