Get started now, it only takes 2 minutes...
Need a second chance car loan to buy a new or used car?
Secured finance for your next work vehicle, up to $40K.
Need a personal loan with bad credit? We're here to help you.
Low doc car loans designed for hard working business owners.
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.
Our Australian based Lending Specialists will reach out to discuss what documents they need from you.
Once approved, your lending specialist will guide you through the details - so you know exactly what to do!
Once you’ve decided on your new purchase, we’ll prepare the documents for you to sign online.
Once all parties have the paperwork, you’ll be ready to settle your finance!
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.
Our Australian based Lending Specialists will reach out to discuss what documents they need from you.
Once approved, your lending specialist will guide you through the details - so you know exactly what to do!
Once you’ve decided on your new purchase, we’ll prepare the documents for you to sign online.
Once all parties have the paperwork, you’ll be ready to settle your finance!
It takes just 2 minutes and its obligation free
You will have a dedicated Lending Specialist to guide you through our simple, fast online process and answer any questions that you may have along the way.
Ume Loans is Australian owned & operated. We're a fully licensed lending company and are regulated by ASIC. We were founded in 2009 to provide finance to customers whose circumstances are outside the bank's normal lending criteria.
As credit markets tightened and finance companies stopped lending, many good borrowers were left without the ability to obtain a loan. Ume Loans fills this gap in the lending market.
We use our bad credit lending experience combined with our proven credit scoring model to ensure that we help as many people as possible, with minimal stress.
Our team just love helping our customers receive the Leisure Items they love and want, whether it’s brand new or a used Leisure Item, we are very happy to share our Ume Loans reviews.
It’s Simple and will take less than 2 minutes to get started.
You can Click the APPLY NOW button at the top right of our website or call us during office hours.
We have put the link here to make it even easier for anyone reading this FAQ.
Yes!
Even with some previous or current credit concerns, you may still be eligible for a loan with Ume Loans. Our Lending Specialists are experts in bad credit loans and we take the time to personally understand and assess your financial situation to make sure any loan we offer you is suitable.
No, our minimum loan is $5000.
Yes
On most occasions we simply verify your income from your last 3 months bank statements.
• You will receive our secure, electronic bank statement link to complete.
• We will phone you to fully understand your loan needs.
• We will assess your loan for fast pre-approval.
• Once pre-approved, your loan settlement can happen the same day if all paperwork we require is supplied.
As part of our process, we make sure that we protect your credit file and credit score. To get your second chance loan with us, it’s important that you do not apply for any other loans right now. If you make other loan applications elsewhere, this will reduce your credit rating and could hurt your chances of obtaining the best car loan approval.
No. We do not perform credit checks on every loan application.
Having said that, remember, we are Bad Credit experts, and we love giving people a financial Second Chance. So, even if there is something nasty on your credit file, that alone, will not necessarily stop you getting a loan with us, as we will take the time to understand and assess your circumstances.
As your Lender of choice, we want to ensure that you get the loan approval that you want. We take the time to fully understand your situation and put together the best loan package we can for your individual circumstances. As we give many customers loans who do not qualify for a traditional bank loan, we do charge higher Interest Rates. Please read our Interest Rate Statement below.
If you are not happy with what we can offer you, you can simply let us know that you don’t wish to proceed with the loan offer, and it will cost you nothing nor affect your credit file.
