UnityFinance

What is UnityFinance and what do they do?

UnityFinance is a financial services company providing banking and short-term finance solutions to individuals and businesses, primarily in Zambia. Unlike a traditional payment processor, UnityFinance operates as a regulated financial institution, focusing on making financial services more accessible and affordable for formally employed individuals.

Its core services include personal and salary accounts, consumer finance, and the Unicard — a Visa prepaid card designed for secure electronic payments. Through its growing branch network, UnityFinance also provides cash management, loans, and financial advisory services, helping clients manage personal and business finances efficiently.

By combining digital tools with in-person financial services, UnityFinance bridges the gap between traditional banking and modern fintech, offering convenient and compliant financial products to support day-to-day transactions and financial inclusion.

Who is it for?

UnityFinance primarily serves individuals in formal employment and small to medium-sized businesses seeking convenient access to financial products and credit facilities. It is especially relevant for:

• Employees requiring quick access to affordable personal loans or payroll-linked financial products.
• Businesses looking for financial partners to manage salary payments, employee credit programs, or prepaid card solutions.
• Consumers who need secure, cashless payment options through Visa-enabled services.

Its network of 13 branches across Zambia ensures accessibility for clients nationwide, particularly those seeking direct customer service and community-based banking support.

Why do businesses choose UnityFinance?

UnityFinance stands out for its personalised financial services and accessible infrastructure. Key advantages include:

• Regulated operations: Licensed and supervised by the Bank of Zambia, ensuring compliance and financial transparency.
• Local accessibility: A nationwide branch network providing hands-on support and service reliability.
• Affordable finance options: Designed to meet the needs of working professionals with fair rates and flexible repayment structures.
• Digital convenience: The Unicard (Visa prepaid card) allows secure, cashless transactions and easy account management.
• Customer focus: Offers tailored financial products for both individuals and businesses, with fast approvals and responsive service.

Businesses using Corefy can connect their UnityFinance MID directly via the dashboard to streamline routing and reconciliation processes — without additional integration effort.

Is UnityFinance trustworthy?

UnityFinance is a registered and regulated financial institution under the supervision of the Central Bank of Zambia, adhering to all applicable financial conduct and compliance standards. Its regulatory oversight ensures the safety of client funds, transparency in lending practices, and adherence to anti-money laundering (AML) requirements.

The company’s established presence, extensive branch network, and reputation for reliable service make it one of Zambia’s trusted local finance providers. While its focus is primarily regional, UnityFinance continues to expand its digital capabilities to offer modern, secure, and user-friendly financial solutions for both individuals and businesses.