Whether you’re a student, on a visa, or working casually — you’re welcome here. Borrow from $2,100 to $5,000 with same-day approval and instant payouts.
Includes an establishment fee of $400 (Comparison Rate of 65.4934% as defined by NCCP). All prices are indicative and applications are subject to assessment. Fees and charges are payable. The Comparison Rate is based on an unsecured personal loan of $2,500 for a term of 2 years. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
4.9 (1,408 reviews)
How it works
Apply Fast. Get Paid Faster.
Getting a loan shouldn’t be complicated. With Unipay, it’s fast, flexible, and done entirely online. No paperwork, no judgment — just a smarter way to access the money you need.
Simply Apply Online
It only takes a few minutes — no paperwork required.
Get Approved Fast
Most loans are approved on the same day.
Receive Your Funds
Money lands instantly via PayID or Osko once approved.
Why choose Unipay?
Money made more accessible.
We get that traditional lenders don’t always get you. That’s why Unipay was built — to support real people in real situations, not just perfect credit scores.
Quick Loans
For life’s Curveballs
Whether it’s a surprise bill, busted car, or something urgent that just can’t wait—Unipay’s got your back.
Emergency Loans
Spontaneous trip? Big getaway? Say yes now, pay it off later.
Uni books are expensive. We’ll cover it now—you study first, pay later.
What our customers are saying
Whether it’s a surprise bill, busted car, or something urgent that just can’t wait—Unipay’s got your back.
Did the whole thing on my phone between classes
It was so easy to apply — no paperwork, no calls. I did everything on my phone in under 10 minutes.
The payout was in my account within minutes.
Once I was approved, I got the money straight away through PayID. Super fast and super easy.
Actually got approved as a visa holder. Huge relief.
Being on a graduate visa, I kept getting rejected. Unipay was the first lender who actually gave me a chance — and I got the money that same day.
Did the whole thing on my phone between classes.
It was so easy to apply — no paperwork, no calls. I did everything on my phone in under 10 minutes.
The payout was in my account within minutes.
Once I was approved, I got the money straight away through PayID. Super fast and super easy.
Actually got approved as a visa holder. Huge relief.
Being on a graduate visa, I kept getting rejected. Unipay was the first lender who actually gave me a chance — and I got the money that same day.
Eligibility Criteria
The basics to get started
Applying for a Unipay loan is quick and straightforward. To be eligible, you’ll need to:
Be at least 18 years old
Hold a valid visa (student, graduate) or be an Australian citizen/permanent resident
Have a fixed Australian address
Have an active mobile number, email, and online banking access in your name
Be managing your current financial obligations
Meet these and you’re good to go. No complicated paperwork. No runaround. Just a fast, student-friendly process built to get you what you need.
What You’ll need to apply
Applying for a loan doesn’t have to be a hassle. No piles of forms. No endless back-and-forth. Just a quick, straightforward process designed to get you approved and moving forward.
Basic personal details
Full name, date of birth, address, number of dependents, and valid ID.
Employment info
A quick summary of your current job and income details.
Bank statements
We’ll review your last 3 months of transactions to check your ability to repay the loan.
Vehicle registration*
If approved, we may ask for your current rego papers to finalise the loan.
You can apply if you’re over 18, living in Australia (citizen, resident or on a valid visa), have a vehicle registered in your name, and earn at least $300 per week. You must also have been employed for at least 3 months — casual, part-time, full-time or self-employed all count.
Can I apply for another loan if I already have one with Unipay?
Once you’ve made consistent repayments for six months, you may be able to refinance or top up your loan. Approval depends on your current situation.
Can I repay my loan early without fees?
Yes! You can make extra repayments or pay it off early at any time. There are no early exit fees, and you’ll save on interest.
Are there any hidden fees?
Nope. We’re upfront from the start. There’s a one-off $400 establishment fee and a $20 admin fee included in your loan. If a payment bounces, a $35 dishonour fee applies. That’s it.
How much can I borrow?
You can apply for any amount between $2,100 and $5,000, depending on your situation.
What can I use the loan for?
It’s your call. Cover unexpected bills, pay for repairs, move house, book a trip, or invest in something meaningful. As long as it’s legal and sensible, it’s up to you.
I’m a student or on a graduate visa — can I apply?
Yes! If you meet the other eligibility criteria and have steady income, you’re welcome to apply.
Check your eligibility
To apply for a Unipay loan, I confirm that:
I am at least 18 years of age
I have not been declared bankrupt or entered a Part 9 agreement in the last 6 months
I am willing to provide my bank statements online for assessment
Learn without limits
Cruise with Confidence
