Fast Approvals
We keep the whole loan application process simple and you can complete your initial application online. We offer potential same day approvals, so you can start shopping for a new car tomorrow!
The BEST Bad Credit Car Loans in Australia
Borrow up to $50K for your next car!
Get on the road sooner with a Bad Credit Car Loan
Repayment Options
Offering choices on your loan repayment schedule is important. We offer you the choice to pay weekly, fortnightly, or even monthly. Giving you these options allows you to manage your bad credit car loan repayments in a way that makes sense to you.
Flexible Terms
We want to make sure we offer you the flexibility to pay your bad credit car loan on your terms. The car loan terms can last up to seven years depending on how much of a regular payment you're able to afford.
Improve Your Financial Future
If you manage to meet your loan repayment schedule in full and on time every month, your credit rating with Ume Loans will improve as time goes on. The credit reporting agencies like to see proof that people are financially responsible, and this will help your financial future.
At Ume Loans, we know that a less-than-perfect credit history shouldn't stand in the way of driving the car you need. Traditional lenders may focus solely on your credit score, but we look beyond it. Our team of car finance specialists takes the time to understand your unique situation. We offer bad credit car loans with tailored approvals and flexible terms, so you can move forward with confidence regardless of your past. Whether you're buying from a dealership or a private seller, new or used, we're here to make your next car a reality.
Need a second chance to buy a new or used car? We offer fast approvals for bad credit car loans!
Apply Today!- You need a second chance
- You have been declined by other banks or brokers
- You have some missed payments or bills
- You have previously been bankrupt
- You have defaults (paid or unpaid)
- You have been in a part 9 debt agreement
- You have court judgements
- You do not have tax returns because you're self employed
- You need a second chance
- You have been declined by other banks or brokers
- You have some missed payments or bills
- You have previously been bankrupt
- You have defaults (paid or unpaid)
- You have been in a part 9 debt agreement
- You have court judgements
- You do not have tax returns because you're self employed
A bad credit car loan is a loan to purchase a vehicle for anyone in Australia who may have a poor or no credit history.
We know that purchasing a car when you have bad credit is a challenge. That's why we want to provide you with a poor credit car loan when all other finance companies have said no.
It's important to understand that having bad credit doesn't mean you're automatically declined car finance options. We just have to work a little harder to create a loan that makes sense for you.
As a bad credit lending specialist in Australia, we need to understand a few things about your circumstances. First, we'll want to know more about your credit history and what led to any recent challenges. You'll need to provide information about these issues and what you did or if you plan to address them.
Our bad credit lending team will also want to know that you have the ability to pay back a bad credit car loan. This is your chance to show us how things have changed since your initial challenges and how you plan to address your financial future, not your past.
It's important to understand that you're not being singled out, but lenders see you as a higher risk than someone who has a higher credit score.
Bad credit score? Poor credit history? We have a bad credit car loan for you.
You might wonder if it's even worth applying for a bad credit car loan in Australia. We're here to tell you that it is! You never know what you can get until you try. We work with absolutely everyone to help get them in the car they want.
The one thing the big banks often overlook, is that you're making a positive effort to pay your bills on time. If you have a recent history of making on-time payments, you have a better chance of getting approved for a bad credit car loan.
It also helps to have a strong deposit. Having a little money stashed away shows stability to our lending team and that you have more money coming in than you're spending.
We've helped thousands of Aussies get a car loan when the other banks and brokers were unable to do so. Apply for a bad credit car loan today and get back on the road sooner!
A bad credit car loan is a loan to purchase a vehicle for anyone in Australia who may have a poor or no credit history.
We know that purchasing a car when you have bad credit is a challenge. That's why we want to provide you with a poor credit car loan when all other finance companies have said no.
It's important to understand that having bad credit doesn't mean you're automatically declined car finance options. We just have to work a little harder to create a loan that makes sense for you.
As a bad credit lending specialist in Australia, we need to understand a few things about your circumstances. First, we'll want to know more about your credit history and what led to any recent challenges. You'll need to provide information about these issues and what you did or if you plan to address them.
Our bad credit lending team will also want to know that you have the ability to pay back a bad credit car loan. This is your chance to show us how things have changed since your initial challenges and how you plan to address your financial future, not your past.
It's important to understand that you're not being singled out, but lenders see you as a higher risk than someone who has a higher credit score.
Bad credit score? Poor credit history? We have a bad credit car loan for you.
You might wonder if it's even worth applying for a bad credit car loan in Australia. We're here to tell you that it is! You never know what you can get until you try. We work with absolutely everyone to help get them in the car they want.
The one thing the big banks often overlook, is that you're making a positive effort to pay your bills on time. If you have a recent history of making on-time payments, you have a better chance of getting approved for a bad credit car loan.
It also helps to have a strong deposit. Having a little money stashed away shows stability to our lending team and that you have more money coming in than you're spending.
We've helped thousands of Aussies get a car loan when the other banks and brokers were unable to do so. Apply for a bad credit car loan today and get back on the road sooner!
Let’s chat about your finance options!
CONTACT US
5 Simple Steps To Getting Your Loan
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.
1. 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. Speak with an Expert
One of our Lending Specialists will call you to speak with you about your options.
3. Get Pre-Approval
We'll get to work on getting your loan pre-approved as soon as you supply the required supporting documents.
4. Sign your documents
Once everything is verified, you can sign your contracts electronically.
5. Get your new car!
Time to go shopping for your new car or pick up the one you've already chosen.
Why Choose Us?
15+ Years
Experience in Alternate Lending
We Understood
We provide good people with a second chance
Our Team
Our team is passionate about helping people
Simple Process
Apply online in minutes
Bad credit score? Poor credit history? We have a bad credit car loan for you.
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Questions aboutBad Credit Car Loans?
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.
Let’s chat about your finance options.
CONTACT US
