At Unipay, we’re making finance more accessible for students, visa holders, and everyday Australians. Whether you’re working casually, studying, or doing both, we’re here to make borrowing fast, flexible, and easy to understand — without the usual runaround.
No confusing jargon. No intimidating processes. Just a simple, stress-free way to access the money you need.
Traditional lenders aren’t made for everyone — especially if you’re on a student visa, working casually, or juggling uni and shifts. At Unipay, we’re flipping the script by building a loan experience that actually supports people like you.
We understand that not everyone has a full-time job or a flawless credit history.
That’s why we’ve designed a smarter, more flexible way to borrow — with same-day outcomes, transparent terms, and zero judgment.
Whether you’re here studying, working casually, or doing both, Unipay is here to help you stay in control when life throws something unexpected your way.
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.
Responsible
lending always
We take lending seriously — which means only offering loans that are affordable and make sense for your situation. Every application is reviewed by our team to make sure you’re not borrowing more than you can handle.
If we don’t think the loan’s right for you, we won’t approve it. It’s that simple.
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
