Rating based on 37 reviews

Universal Finance

  • The finance specialists
  • Personal loan brokers
  • Low-interest starting from 4.19%

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Universal Finance homepage
Author Universal Finance. Screenshot of Universal Finance website.
[Accessed March 15, 2023]

About Universal Finance

Our goal has been the same from the start - to cover the full spectrum of microlenders in Australia so that we can deliver the most effective financial solution to each and every customer.

Since 1999, we, at Universal Finance, have been working with major banks, credit unions, non-conforming lenders, bad credit lenders and private investors to offer fully customised personal loans.

Whatever your financial needs are, we can help you to meet them fully without fuss and delay.

We specialise in difficult finance.

We work with over 100 lenders to provide personal loans for bad credit which are of the highest quality.

No situation is ever too bad for us to deal with.

We will be your trusted partner in the world of lending whether you need to consolidate a loan, finance the purchase of a car or a house or to pay for your perfect wedding.

You can get started right away.

Universal Finance Services

Universal Finance is the service provider of choice for many Australians who have bad credit history.

We offer home loans, car loans and personal loans for bad credit.

We consider applicants with all kinds of defaults some of which are completely disregarded.The interest rates start from just 7.99%. We offer several major advantages.

We offer low setup cost.

There are also no exit fees charged.

Any person can end up with bad credit. Many people in the country are in this situation because of the recent global financial crisis and its impact on the local economy.

Now things have improved and you deserve a chance for improvement as well.

Our service is not limited to the provision of loans.

We will help you to rebuild your credit at minimal cost. You will be able to switch to a standard loan months after you have taken out the initial one.

There will be no hefty transfer costs.

Universal Finance – Bad credit loan

  • Loan Type Bad credit loans
  • Interest Rate from 4.19%

Benefits of Universal Finance

  • Fast loan approval
  • Low rates and fees
  • Easy online loan applications

Bad credit loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This bad credit loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

Universal Finance Loans – Financial services that care

Universal Finance is a full service, well established financial institution in North Adelaide.

they provide loans for people with bad credit. As the oppositional status to major banking firms which insist you stand in line just to be turned down for your required cash loan, we will assist you when they won’t.

Here, you're not simply a client, you're a member with a voice in how finances should be offered.

Our services and rates are affordable and top quality, as are our unique products and loan offers.

We assist Australians with bad credit, which have most customers feeling distressed and not knowing where to go for assistance.

The very best level of quality within the micro loans industry.

Evaluating our performance excellence focuses on the cornerstones of our business; member’s satisfaction and commitment; employees performance, development and growth; effective, valued and innovative product and services; a plan representing strength and unchallenged continuance.

We look for new & better ways to improve our services.

We respect your privacy and understand that confidentiality is crucial for each client. That’s why we make sure that your personal data is kept secure.

Details of all loans and your credit status, or the reason for your loan is always kept confidential.

Please review our Privacy Policy for additional data on this.

When you need cash in a hurry for that unexpected bill, medical account or repairs on your home or car, don’t let your bad credit hamper your decision to get a loan, we will assist you in times of difficulty.

Apply online or speak to one of our experienced friendly consultants, we are here for you whenever you need assistance.

Don’t let the debt trap get you down, there is always a solution for people with bad credit history at Universal Finance in Australia.

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Universal Finance is a trusted & reliable provider of bad credit loans

In our review, Universal Finance adheres to the compliance criteria in accordance with the National Consumer Credit Protection Act 2009, where the granting the loan will not cause financial distress to the consumer.

✅ Universal Finance is a registered credit provider in Australia: ACL 385 423

Customer Reviews & Testimonials

February 2019

Thank you for helping me rebuild my credit score and switch from a standard loan after a couple of months of applying for my initial loan without needing to pay any hefty transfer fees or pay any...

Shayle W
— Melbourne —

December 2018

I applied for one of your loans online and want to commend you on your user-friendly website. You made applying for a loan such a pleasure that I would definitely recommend your service to all my...

Maria K
— Brisbane —

Universal Finance Contact

Physical Address

Postal Address

  • 40 Lockheed Lane, Parafield Airport, South Australia, 5106, Australia

Opening Hours

  • not available