Loans for Everyday Australians

Yes. We take our obligation to be a responsible lender seriously and are very focused on compliance and treating every customer fairly.

Consumers are well protected when using Australian licenced lenders.

Our Australian Credit Licence number is 383502

• We give financial second chances
• Loans from $5000 to $50000
• Loans for any worthwhile purpose
• Fast, online application process
• We are a solutions focused team, finding ways to help you

Our team just love helping our customers buy the cars they love and want, whether it’s a new car, used car, business vehicle, ute, van, or classic car, we are very happy to share our Ume Loans reviews from every day Australians, just like you who successfully applied for a bad credit car loan.

It’s Simple to apply for a car loan and will take less than 2 minutes to get started.
You simply Click the green APPLY NOW button at the top right of our website.
Lets get you that car!

Yes! Even with some previous or current credit defaults, you may still be eligible for a car loan with Ume Loans. Our Lending Specialists are experts in bad credit car loans, and we take the time to personally understand and assess your financial situation to make sure any car loan we offer you is suitable.

No, our minimum loan is $5000.

Yes. On most occasions we simply verify your income for a car loan application from your last 3 months bank statements.

Relax, we’ve got this!

• You will receive our secure, electronic bank statement link to complete
• We will phone you to fully understand your car loan needs
• We will assess your bad credit car loan for fast pre-approval
• Once pre-approved, your car loan settlement can happen the same day

As part of our process, we make sure that we protect your credit file and credit score. To get your second chance car loan with us, it’s important that you don’t apply for any other loans right now. If you make other car loan applications elsewhere, this will reduce your credit rating and could hurt your chances of obtaining the best car loan approval.

No. We don’t perform credit checks on every car loan application.

Having said that, remember, we are bad credit car loan experts, and we love giving people a financial Second Chance. So, even if there is something nasty on your credit file, that alone won’t necessarily stop you getting a car 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.

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.