About About

Australia's BEST Bad Credit Lender

We give good people the second chance they need.

Ume Loans is an Australian owned & operated company. We are 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. The Global Financial Crisis (GFC) was the catalyst for the birth of our company. As the credit markets tightened and finance companies stopped lending, many good borrowers were left without the ability to obtain a loan. Ume Loans now fills this gap in the lending market.

Our Group Founding Director Dan Fox has had over 10 years experience managing loan portfolios. His industry experience through GE Finance and Avco Finance & Insurance has contributed towards developing a proven credit scoring model. This model ensures we help as many clients as possible with minimal losses. Our computer scoring system is second to none, and gives us fast and accurate documents at the push of a button.


Apply with Confidence

When you’re pre-approved, the loan amount, duration and interest rate are all confirmed

Peace of Mind

When you know what you’ll be able to borrow, you can rest assured we have the right loan for you

Fast Approvals

Apply online in minutes and benefit from our fast & efficient loan approval process


We Understand Your Needs

At the heart of our business is our people. Our team are from all walks of life, just like our customers- at Ume Loans, we celebrate good people. Our loan specialists know their stuff, they have many years experience helping customers just like you!

Our team members are friendly, open-minded people who are fully accredited and are trained professionals in their field. We take our obligations to our customers very seriously, and will work hard to ensure that the loan products on offer meet your requirements and objectives.

We Take Your Confidentiality Seriously

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