Get in Touch with Unipay

Have a question about your loan, need help with your application, or just want to talk to a real person? We’re here for it. Whether you’re a student, a visa holder, or working casually — our team’s ready to help however we can.

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Contact Unipay

1300 775 413

A: PO Box 3441, Rundle Mall SA 5000
E: customercare@unipayloans.com.au

Frequently Asked Questions

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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.