Everyday is a Second Chance

Helping good people

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

tick You need a second chance

tick You have defaults (paid or unpaid)

tick You have been declined by other banks or brokers

tick You have been in a part 9 debt agreement

tick You have some missed payments or bills

tick You have court judgements

tick You have previously been bankrupt

tick Self employed and don't have tax returns

5 simple steps


Why Choose Us?


11+ Years

Experience in Alternate


We Understand

we provide good people
with a second chance

Our Team

Our Team

Our team is passionate
about helping people


Simple Process

Apply online in



We have FAQ’s on our web pages, customized to each page so the most relevant information is at your fingertips. You can see all of our FAQ’s on the one page if you prefer.



Ume Loans Location

Ume Loans Pty Ltd ABN 25 138 637 064. Australian Credit Licence Number 383502.