Rating based on 44 reviews

Universal Finance

  • Expert loan broker
  • Fast loan approval
  • Low-interest starting from 48%

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Universal Finance homepage
Author Universal Finance. Screenshot of Universal Finance website.
[Accessed May 3, 2023]

Universal Finance - They are with you every step of the way

Born and bred in Australia, Universal Finance has been in operation since 1999.

Throughout the years, they have managed to help thousands of customers during their financial difficulties. Seeing that everybody needs a little financial assistance from time to time, they always ensure that they render a bad credit loan service that is fast and willing to assist when nobody else is.

When banks say no, Universal Finance says yes

They know how difficult banks can be. However, they want to be of a speedy service that will always be available to customers who seek loans. Universal Finance hardly says no to a blacklisted loan application. They cater for all bad credit options for one reason only: they know how it feels. They know the stain of having a bad credit history and the weight of having to carry it around. They just want their clients to know that they don’t have to carry the burden alone.

Bad credit specialist

When you have elevated from understanding what bad credit is to being a called credit specialist, this should give their clients the impression and confirmation that there is no issue that they haven’t encountered and dealt with. Without being big-headed or anything, they consider themselves specialists because bad credit doesn’t scare them nor does it make them turn a blind eye on their customers. They still value each and every personal loan application and see to it that their clients get their loans approved even on their darkest days.

They have the lowest interest rates

Clients need to fill in an online loan application form which will give them a better picture of themselves.

The online application features questions such as names, physical addresses and employment information. They also need to furnish them with their bank statements.


After they have submitted the information in an electronic format, they have to resubmit the documents manually.

This is just a security measure they make to verify all the documents brought to their attention. It is important that they access the affordability of the client before they grant him a short-term loan.

Money at your disposal

If everything is on the clear and the bad credit loan application showed no errors, the money will be deposited into your bank account before the end of the business.

Lowest interest rates in Australia

The last thing a client is looking for is having to pay an amount that is similar to or even higher than the rates demanded by bank services.

However, Universal Finance, they have remained one of the lowest-interest rates credit providers ever since the beginning of its establishment.

Universal Finance – Bad credit loan

  • Loan Type Bad credit loans
  • Interest Rate from 48%

Benefits of Universal Finance

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

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 - Loan options to suit any budget

Bad credit loans are ideal for self-employed clients

Self-employed clients always need a helping hand as far as their finances are concerned especially when they are just starting out their business. Having a credit provider that offers bad credit loans to entrepreneurs is a great way of making these individuals grow their businesses into something bigger than it already is.

No tax returns required

Universal Finance is a company that trusts the clients they offer a service. So much so that they don’t require tax return documents as proof during an emergency loan application.

Bad credit loan applications

They don’t see why economic changes such as being laid off from work due to the recession should be a reason why you are not granted a loan. Although there might be a million reasons for them to reject bad credit loan applications, they don’t see the reason why they should when you can actually afford to pay the loan you are applying for.

They help you in every possible way

While banks will give a number of reasons as to why they won’t assist you, they will not. It is rare for them to turn a client away. Most of their customers always get financial assistance. Being in a financial situation isn’t ideal for anybody. The last thing you need at that time is someone showing you all your red flags when they should be availing a solution that will help you during your financial crisis.


They have helped a number of clients. The testimonials section on their website is just another way their customers have shown gratitude for their fast loan services. Seeing that they go above and beyond to ensure that they all get their loans approved, they appreciate each and every kind of word presented to them. Hearing and seeing such encouraging words pushes them to do better.

Universal Finance blog

For those who want to improve their financial management skills, Universal Finance blog is the one for you. They have a variety of articles that you will read that explains some of their online loans in detail. This is a great platform to learn as much as you can from the articles that are made for easy access to your liking. They want their customers to be money conscious after all and to always be fascinated by saving money as opposed to spending money.

man holding thumbs up

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

June 2018

Universal Finance has been my credit provider of choice for many years. They never cease to amaze me when it comes to offering me a loan that I can afford.

Lola K
— Albany —

October 2018

The interest rates at Universal Finance are the reason why I always prefer applying for my loans with them.

Peter A
— Perth —

May 2019

Using the Universal Finance website to apply for a loan is one of the quickest ways of getting a response.


Lucas W
— Darwin —

Universal Finance Contact

Physical Address

Postal Address

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

Opening Hours

  • not available