Rating based on 32 reviews


  • Short-term loans up to R3,000
  • Low-interest starting from 124%
  • Repayment up to 6 months

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Cobol homepage
Author Cobol. Screenshot of Cobol website.
[Accessed January 19, 2023]

About Cobol

Excellent short-term loans for unexpected predicaments.

If you do not know already, Unify, previously known as Cobol, is a smart and easy way to access stress-free loans, especially just for you.

You might be in a tight position financially but they have got you covered. They can provide you with loan amounts that can take all of your worries away and enable you to enjoy life.

Financial struggles are real, let them help you

Unify is all for transparency and trust. They have remarkable employees and a long list of faithful clients. You can become one of them today, and overcome your unexpected emergencies. They offer various loans but their short-term loans are one of their most applied for loans.

Be in control of your finances 

They offer a variety of loans so that you can find the one that suits your budget. If it’s for that unexpected doctor's visit or just a holiday that you needed badly.

No questions asked about how you spend your money, as long as you pay your monthly payment, you are all set. With them, you can also apply for a personal loan as well as a business loan.

Unify knows that loans can get expensive when it comes to interest. Many clients usually do not realise that they borrow more than they can afford.

That is why Unify tries to give you the help that you are looking for. They assist with debt counselling and would never try to lend you an amount that can negatively influence your budget.

Cobol Services

At Unify, they want to make everything as easy as possible for you all the time. They do this so that you do not waste time on things that keep you away from the things you want to do.

Like struggling to pay for your daughter's tuition fees or your contribution to whatever commitment. You can rely on Unify to have your back in dire times.

Your financial stability is their success.

The services offered by this financial service provider can only help you lighten your load. Too many people do not know how and where to apply for a decent loan amount, so they find themselves in even more trouble. This company strives to make your financial journey better with a cash loan online you can afford.

Convenient loans that are easily accessible

Unify’s loans exceed that of any other finance provider. They have loans available of up to R8 000 and they adjust the loan terms to suit the loan amount you are applying for. Once they have transferred the money into your account you owe them no explanation as to what you did with it.

The best bank to get you back on your feet

They aim to give you freedom in your finances. You can choose your loan amount between R2 000 and R8 000. You select the loan option suitable for your situation. The amount you decide on will determine your interest rate and the amount you repay over a period of 6 months.

Cobol – Short-term loan

  • Loan Type Short-term loans
  • Interest Rate 124212% p/a
  • Loan Amount up to R3,000
  • Repayment 7 days to 6 months

Benefits of Cobol

  • Same day loans
  • Fixed repayment terms
  • Easy online applications

Short-term loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This short-term loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

Let Unify help you get a quick and affordable short-term loan

Follow the next few steps to successfully apply for a loan online. Applying for a loan has never been this easy.

Let Unify help you get a quick and affordable loan

Unify is registered and trustworthy. Your private information will never be given to a third party without your consent. They take their privacy very seriously so you do not have to stress about other companies contacting you. Apply today for a stress-free experience.

Be a part of something amazing. If you would like to be part of the loyal Unify client list. You can apply for an online loan or contact them directly.

Catch them during their office hours so that you don’t get left behind. Making contact is as important to them as it is to you. Get approved within minutes of the loan application.

You need to complete the online loan application to see what amount you do qualify for. Your personal information will be required to complete the form.

Then they make you an offer and you can accept or decline the offer. It is all up to you, whether the repayment terms will fit your budget, and it is also important to note that repayments are paid via debit order every month.

When you have accepted their offer, they will deposit the money into your account almost immediately. You won’t need to stay a minute longer in your unpleasant financial state.

To make a loan request you have to: 

  • Be 18 and older.
  • Be a South African citizen.
  • Be employed with an income of at least R3 000 a month.

If you want to know if you meet their requirements, please take a moment and read through their terms and conditions.

Contact them today 

You can either give them a call, send them an email, or fax or visit them at their physical address. They would be happy to get to know and assist you with a short-term loan. If you decide on making a call, one of their highly trained consultants will assist you.

Make sure to ask as many questions as you like to broaden your knowledge of all the different types of services they have to offer. They might mention an offer that would suit you better than the type of loan you had in mind.

Customer Reviews & Testimonials

September 2021

This was the quickest approval I have ever had. I was still sitting and doubting that I would receive the money on the same day and then my notifications went off. I have received the cash. I was...

Aneschka J
— Beaufort West —

July 2021

It was a pleasure to have received such friendly and helpful consultants. They answered all my questions on different loans and I was able to find the right one. Thank you for not giving up on me...

Joe S
— East London —

November 2021

Cobol is a keeper of its promises. All the things on their web page turned out to be true. Unlike other financial providers, they are open about what they plan on doing and how they operate. Ther...

Siabulela F
— Durban —

Cobol Contact

Contact Number



Physical Address

  • 2nd Floor, Block A, Vineyard Centre Cnr, Adam Tas Rd Stellenbosch Western Cape 7600 South Africa
  • Get Directions

Postal Address

  • PO Box 2961, Cape Town, 8001, South Africa

Opening Hours

  • Monday 08:00 – 17:00
  • Tuesday 08:00 – 17:00
  • Wednesday 08:00 – 17:00
  • Thursday 08:00 – 17:00
  • Friday 08:00 – 17:00
  • Saturday 08:00 – 13:00
  • Sunday – Closed