Rating based on 51 reviews

Universal Finance


  • We say YES
  • Quick online loans
  • Low-interest starting from 4.19%

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Universal Finance homepage

Author Universal Finance. Screenshot of Universal Finance website. [Accessed April 12, 2018]

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.

Bad credit loans - our speciality

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.

Let us help you find a loan

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.

Universal Finance Services

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 are low

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.

Designer mortgage finance

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.

Universal Finance Blacklisted loan

  • Loan Type Loans for blacklisted
  • Interest Rate from 4.19%

Benefits of Universal Finance

  • Loans for blacklisted clients
  • Apply online in minutes
  • Our loans have a fast approval rate

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 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 practice 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 for financial assistance desperately.

Blacklisted loans

If you have experienced bad credit, it can be overwhelming however Universal Finance has 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 alternative 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.

man holding thumbs up

Universal Finance is a trusted & reliable provider of loans for blacklisted

In our review, Universal Finance adheres to the compliance criteria in accordance with the National Consumer Credit Protection Act 2009, as well as the National Consumer Credit Protection Regulations 2010, 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

May 2019

The application can take you less than 5 Minutes and you could have the perfect loan that suits you even though you have been Black listed.

Mishqua J
— Perth —

May 2019

If you need a company that is going to help you when you are unsure or you just want to feel safe with a company that cares then this is the company for you and I can vouch for them.

Tara L
— Sydney —

June 2019

The service is amazing and I could never fault them on anything they really care about their customers

Jacob C
— Melbourne —

Universal Finance Contact

Physical Address

Postal Address

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

Opening Hours

  • not available