15+ Years
Experience in Alternate Lending

Experience in Alternate Lending

We provide good people with a second chance

Our team is passionate about helping people

Apply online in minutes

Second chance bad credit loans: the guide
Ume Loans helps everyday Australians with bad credit access tailored finance solutions, enabling you to rebuild credit and achieve your...

What bad credit really means, and your loan options
Bad credit reflects past financial events, not who you are now. With the right structure, borrowers may still access finance...

Are bad credit loans right for me?
Looking for a second chance to get your finances sorted but are struggling to find a lender? It might be...

Navigating Personal Loans with Bad Credit: What Are Your Options?
Credit scores count for everything in the world of personal finance. If your score is low, it'll be difficult to...
Experience in Alternate Lending

We provide good people with a second chance

Our team is passionate about helping people

Apply online in minutes
5.0/5
My loan was approved very fast and all process went very smooth. Thanks
Parviz Aghamir
2 days ago
Shannon and the team at Ume Loans helped me out with a loan for a new micra. Fast, easy and...
Daniel Hicks
2 days ago
Emma went above and beyond to help me, she provided amazing service, kept me informed every step of the way...
Wendy Walsh
last week
This is the second i have used Ume Loans to get a car loan and both times they have been...
Ronald Morrall
last week
Very professional Emma was fantastic to deal with
David Atkinson
3 weeks ago
Loan good rate
Mohammed Shaheed
last month
Thank you Ume Loans and their representative Georgia Robb for their fluid and "outside if the box" approval of my...
Iain Roebuck
last month
Ume helped me find the best loan for me, and were very flexible with my extra requests. They were so...
Brittany O'Shea
last month
Emma from UME Loans was wonderfully non-judgemental and solutions focussed. She was quick and courteous and I am really happy...
Kym Korbe
last month
Carys has been excellent through our whole process. Keeping us up to date each step of the way. Thankyou for...
Hayley Walkom
last month
My loan was approved very fast and all process went very smooth. Thanks
Parviz Aghamir
2 days ago
Shannon and the team at Ume Loans helped me out with a loan for a new micra. Fast, easy and...
Daniel Hicks
2 days ago
Emma went above and beyond to help me, she provided amazing service, kept me informed every step of the way...
Wendy Walsh
last week
This is the second i have used Ume Loans to get a car loan and both times they have been...
Ronald Morrall
last week
Very professional Emma was fantastic to deal with
David Atkinson
3 weeks ago
Loan good rate
Mohammed Shaheed
last month
Thank you Ume Loans and their representative Georgia Robb for their fluid and "outside if the box" approval of my...
Iain Roebuck
last month
Ume helped me find the best loan for me, and were very flexible with my extra requests. They were so...
Brittany O'Shea
last month
Emma from UME Loans was wonderfully non-judgemental and solutions focussed. She was quick and courteous and I am really happy...
Kym Korbe
last month
Carys has been excellent through our whole process. Keeping us up to date each step of the way. Thankyou for...
Hayley Walkom
last month