Need cash fast? Get $2,100 – $5,000 today. Apply now
Unipayloans
Apply for a fast,no-fuss loan
Need funds in a hurry? Unipay makes it easy with a quick online application, same-day processing, and no hidden fees. Whether it’s for study costs, car repairs, or something unexpected — we’ve got your back, minus the hassle.
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.
Fee breakdown
For an unsecured MACC of $2,500 lent over 2 years (104 weeks) based on a loan created today :
Credit Amount
$2,500 (what the borrower receives)
Establishment Fee
$400
Other Fees
None
Repayment Frequency
Weekly
Amount of Credit of the Loan:
$2,900.00
Nominal Percentage Rate (Interest) per annum:
48% as defined by NCCP
Total Amount of Interest Payable:
$1,590.49
Total Number of Repayments:
103 payments of $43.18 and 1 final payment of $42.95
Total amount of repayments:
$4,490.49
Comparison Rate:
65.4934% as defined by NCCP
For an secured MACC of $2,500 lent over 2 years (104 weeks) based on a loan created today :
103 payments of $43.33 and 1 final payment of $42.90
Total amount of repayments:
$4,505.89
Comparison Rate:
65.9319% as defined by NCCP
Important notes: 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. We do not offer such a contract.
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
