Loans for good people with bad credit

who may not fit the banks normal lending criteria

At Ume Loans we understand that bad things can happen to good people. We believe that if you can demonstrate that you can afford a loan, then you should be given the second chance you need, despite what may have happened in the past.

Get started now, it only takes 2 minutes...
Home Page Home Page

Australia’s Best Bad Credit Lenders

Poor or No Credit History? No Problem!

Borrow up to $40K today
Car Loan Car Loan

5 Simple Steps To Getting Your Loan

  • Car Loan
    1. Apply Online

    Enter some basic details so we know who you are, and what you’re looking for! This will not affect your credit score. This is where you will submit your bank statements online

  • Car Loan
    2. Speak with an Expert

    Our Australian based Lending Specialists will reach out to discuss what documents they need from you.

  • Car Loan
    3. Get Pre-Approval

    Once approved, your lending specialist will guide you through the details - so you know exactly what to do!

  • Car Loan
    4. Finalise your documents

    Once you’ve decided on your new purchase, we’ll prepare the documents for you to sign online.

  • Car Loan
    5. Get Your new car!

    Once all parties have the paperwork, you’ll be ready to settle your finance!

5 Simple Steps To Getting Your Loan

We're Australia's Fairest Bad Credit Lender

Hear from Everyday Australians Just Like You

Why Choose Us?

Questions? We've got answers!