business car loan made easy

Secured Business Car Loans for Bad Credit

We understand running a business can be tough for many reasons. Struggling to get much-needed vehicle finance shouldn’t be one of those. Here’s why our car loans are built for you:

Our Business Car Finance Features

  • Tailored Loan Amounts: Borrow between $5K and $40K to finance the vehicle you need—whether it’s a ute, van, truck, or car. Big or small, we’ve got you covered.
  • Fast Approvals and Settlements: Time is money. That’s why we offer same-day approvals and settlements, so you can hit the road without delays.
  • Freedom to Choose: Buy from a dealership or a private seller - we finance both, allowing you to choose the vehicle that’s perfect for your business.
  • No Penalties for Early Payout: Repay your loan early and save on interest - no penalties, no hidden fees. Just flexibility that works for you.
  • Start-Up Friendly: Only 3 months ABN with prior industry experience needed. No GST registration required.
  • Credit Made Simple: With a minimum credit score of 300, we focus on giving opportunities to those who need them most.
  • Bad Credit? No Problem: Your past doesn’t define your future. Your dedicated Lending Specialist will look at where you are now, and work with you to help get your business moving forward.
  • Built Around Your Needs: Whether you're purchasing new or used, we offer flexible financing options that empower you to select the right vehicle for your business

Australian tradesman wearing high visibility clothing standing next to his new utility vehicle, business car finance by Ume Loans

Who Can Benefit from Business Vehicle Loans?

Our business car loans are perfect for:

  • Small Business Owners: If reliable transport is essential to your operations, we’re here to help keep your business moving with finance solutions tailored to your needs.
  • Self-Employed Australians: From tradies to couriers and other on-the-go professionals, we offer financing options to ensure you stay on the road and in control of your work.
  • ABN Holders: Whether you’re a sole trader or managing a growing business, our loan solutions are built with your unique circumstances in mind. No unnecessary red tape.
  • Australians with Bad Credit: Past financial setbacks shouldn’t limit your future. We work with you to find practical finance options that support both your personal and business goals.

 

How Ume Loans Supports Borrowers with Bad Credit

We know traditional lenders can be strict, making it tough for people with bad credit to get finance. At Ume Loans, we do things differently:

  • Focus on Your Present: We look at our customer’s current financial position and prioritise their potential over their past credit history. This lets us find solutions tailored to our customer’s needs.
  • Simple Application Process: We guide you through every step. You’ll need:
    • Proof of business income or activity using, bank statements, tax returns, BAS, or invoices.
    • Details about the vehicle you want to purchase.
    • Government-issued photo ID such as a driver’s license or passport.
  • Manageable Loan Repayments: Repayments are aligned with your cash flow to ensure they’re manageable, with a maximum repayment term of five years to provide you with added flexibility.
  • A Path to Financial Stability: Repaying your loan responsibly helps rebuild your financial standing & credit file. It’s a chance to move forward with confidence, while setting yourself up for success in the future!

 

Drive Your Business Forward with Ume Loans

Hear from Everyday Australians Just Like You

5 simple steps

5 Simple Steps
To Getting Your Loan

1
1. Apply Online

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.

2
2. Speak with an Expert

Speak with an Expert

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

3
3. Get Pre-Approval

Get Pre-Approval

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

4
4. Finalise your documents

Finalise your documents

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

5
5. Get Your new car!

Get Your new car!

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

Apply Now
It takes just 2 minutes and its obligation free

5 Simple Steps To Getting Your Loan

 

 

It takes just 2 minutes and its obligation free

Why Choose Us?

Questions about Secured Business Car Loans?

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