How it Works

Getting a Loan with
Unipay is Easy

Apply in minutes, get a decision fast, and receive your funds without the hassle. No paperwork. No hidden hoops. Just a simple, online process that works around you.

Step 1: Check if you’re eligible

See if Unipay is the right fit for you

Before jumping into your application, make sure you tick the key boxes. To apply, you’ll need to:

Be at least 18 years old
Hold a valid student, graduate, or working visa, or be an Australian citizen/permanent resident
Have a regular source of income (casual, part-time, or full-time)
Hold a valid Australian bank account
Be able to access your email, mobile number, and online banking

If that sounds like you, you’re ready to move forward — no need for perfect credit or full-time work.

Step 2: Choose your loan amount

Pick what you need — and how you’ll pay it back

Unipay offers flexible loan amounts between $2,001 and $5,000 to suit all kinds of needs — whether it’s a study expense, car repair, or something unexpected.

You’ll also be able to choose a repayment schedule that works for you: weekly, fortnightly, or monthly. Use the loan calculator to estimate repayments and feel confident before you apply.

Step 3: Get your info ready & apply

A quick form and a few details — that’s it

To complete your application, you’ll need to have a few things handy:

Bank statements from the past 90 days
Proof of income, like payslips or an income summary
Valid ID, such as a passport, driver’s licence, or visa

Once you have those ready, just fill out our quick online application — it only takes a few minutes, and you can do it anytime, anywhere.

Step 4: Get approved (fast!)

We assess it quickly — no robots, no nonsense

We assess every application based on your current financial situation — not just your credit score. Most people hear back within a few business hours, and we’ll keep you in the loop the whole way.

Our goal is to provide same-day approvals wherever possible, so you can move on with confidence.

Step 5: Get your money

Money in your account, fast

Once approved, your loan will be transferred instantly via PayID or Osko — no delays, no stress. In most cases, the money hits your account within minutes, so you can take care of what matters.

What makes Unipay

different.

We know you have choices when it comes to borrowing money. That’s why we focus on providing fast, fair, and responsible lending with a process that puts you first.

Frequently Asked Questions

We’ve made

Things simple
— here’s how

View all FAQs

Am I eligible to apply?

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.

Getting a Loan with Unipay is Easy