Bad Credit Lenders
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Bad Credit Lenders

Are you being held back due to being in the unfortunate position of having a bad credit rating? Bad credit lenders are specialised in dealing with this scenario and they can provide the solution you seek, with fast credit approvals and an easy application process.

Bad Credit Explained

A bad credit history is a situation that can happen to anyone, no matter where you live or your socioeconomic status. It can happen due to losing your job, getting divorced, experiencing an injury or illness, having family issues, having a business fail, or even simple forgetfulness on your part.

Bad credit can be a result of:

  • late payments
  • financial hardship
  • bankruptcy
  • company financial issues
  • loan default
  • unpaid bills
  • unpaid tax liability
  • multiple credit debts
  • multiple credit applications
  • overdue accounts
  • missed payments
  • serious credit infringements


Up to 20% of Australians have a bad credit history. This makes it a challenge to obtain funding, and traditional lenders such as banks are of little help if you have a bad credit rating.

Bad Credit Lenders

Bad credit lenders are a group of people who understand and empathise with the circumstances that lead to bad credit. Whatever you require funds for, bad credit lenders will simplify and expedite the application process and look beyond the surface, to provide you with solutions as best they can to suit your individual circumstances. From personal loans to mortgages and everything in between, they provide the answers you seek.

Some examples of bad credit loan types include:

  • Bad Credit Personal Loans
  • Bad Credit Business Loans
  • Bad Credit Home Loans

How Can Universal Finance Help?

Universal Finance is a South Australian finance company, working with clients and private lenders all over Australia, and we are experienced in all areas of finance and lending. We are positioned to be able to offer access to quality, reliable, and reputable bad credit lenders for our clients for swift financial solutions without judgement.

Bad credit doesn’t mean you are a bad person – or a bad borrower! We offer loans when you apply for financial assistance where other financial institutions and lenders might turn you away due to bad credit if you are blacklisted by banks.

Choose Universal Finance TODAY

To us, you are a whole person – not just an application number. No matter where you are in Australia, we can help. Don’t be discouraged; a loan is not out of reach! Contact us today to learn more and explore your options.