Universal Finance


About – Universal Finance

We cover absolutely all market niches from the major banks and the leading credit unions in the country to bad credit lenders and non-conforming lenders.

Difficult finance is one of our major areas of specialty.

We work with a large panel of private investors enabling clients to access a direct source of finance and keep costs down.

We have been operating since 1999 and so far we have assisted thousands of Australians to accomplish their financial goals. Our head office is in South Australia, but we operate nationwide.

No financial situation is too difficult for us to resolve.

With direct access to more than 100 lenders, we will find a loan for you. We can provide the right first and second mortgage solution via our private investors.

We specialise in both residential and commercial mortgage loans.

Services – Universal Finance

If you have been denied access to a loan by a major bank due to your bad credit history, we, at Universal Finance, will provide the perfect alternative.

We offer affordable and easily accessible bad credit loans for Australians and businesses nationwide.

We are specialists in both personal loans and mortgage loans.

Our interest rates start from as low as 7.99%.

We have been assisting customers to access affordable finance since 1999. We are experts in what we do. We partner with over 100 lenders to ensure that you will access the best deal.

We work with people who have minor credit problems and with those with many defaults and court judgements. We will help you out even if you are self-employed.

It does not matter how bad your situation is.

We can improve it fast. We offer low setup costs and no exit fees.

You can get up to 95% finance with one of our specially designed mortgage loans.


Summary of Services

  • Short Term / Caveat Loans
  • Business Loans
  • Bad Credit Loans
  • Private Funding
  • Commercial Lending
  • Bridging Loans


Universal Finance Loans – Making finance better for you.

Universal Finance in North Adelaide supplies all clients in Australia with loans for blacklisted!

Have you been rejected by a lender because of bad credit?

Our blacklisted loans (and other loan options) offer accessible and simple financial assistance at rates beginning from as low as 6.49%.

Since 1999, Universal Finance has been putting their experience in practise, and using our knowledge in the industry to assist Australians with their financial needs.

There is no limit to the Bad Credit Acceptable (i.e.. defaults, court judgements and overdue debts on your home loan are worthy and the interest rate is not influenced by defaults recorded 3 years prior or more) Defaults recorded over 3 years back will be dismissed through and through.

Our blacklisted loans are perfect for independently employed customers not able to indicate financials and searching financial assistance desperately.

Reconstructing bad credit can require persistence and small steps.

If you have experienced bad credit, it can be overwhelming however Universal Finance have financial solutions for people looking for blacklisted loans. Being blacklisted can influence your ability when buying or renegotiating a property and frequently sends the interest rate through the rooftop making the procedure expensive and tedious.

At Universal Finance we are the experts in bad credit loans and have entry to Australia's biggest scope of Non-Conforming and Private Lenders/Investors in Australia. With more than 50 loan specialists and 1000+ items on offer and access to Australia's biggest board of private moneylenders.

By having these connections in the financial field, we can definitely find an alternate lending solution for you regardless of your bad credit or track history.

If you would like to speak to us before applying, we will gladly offer our expertise in advising you of your options, and how to go about applying with us for your blacklisted loan.

 Contact Details

Suite 1 38-40 North East Road , Walkerville, SA, 5081, Australia
Ph: (08) 8344 9508
Fx: (08) 8180 1896
Em: [email protected]
Em: [email protected]

 Postal Address

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