Car Loans

Get on the road sooner - with a Bad Credit Car Loan

Are you struggling to find a car loan due to bad credit? You're not alone. Many people face challenges securing car loans when their credit history isn't perfect. At Ume Loans, we understand the frustration of being turned away by traditional lenders because of your credit score.

That's why we offer bad credit car loans to help you get behind the wheel of your dream car, no matter your credit history. Our car finance specialists work through your unique circumstances to provide you with a bad credit car loan that offer tailored approvals and flexible terms.

So, don't let bad credit hold you back from getting the car you need. Apply for a bad credit car loan today and start driving with confidence.


Car Loans Car Loans

Need a second chance to buy a new or used car? We offer fast approvals for bad credit car loans!

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.


Contact our team if…

  • 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


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!

Bad Credit Car Loan Options

Car Loan Pre Approval

Gain confidence and flexibility while shopping for your dream car.

Discover the advantages of our Bad Credit Car Loan Pre-Approval. With this hassle-free process, you can gain peace of mind and flexibility when shopping for a car, even with less-than-perfect credit. Our pre-approval ensures a smoother car-buying experience, providing you with a clear understanding of your budget and loan options. Get started today and secure your pre-approval for a bad credit car loan, opening doors to your dream car.

Apply for a bad credit car loan

Private Sale Car Loans

Bad Credit Private Sale Car Loans Made Simple

If you have just found your next car privately and you need finance to purchase it, we here to help. Secure the car of your dreams with our bad credit private sale car loan. Designed specifically for individuals with less-than-perfect credit, this loan empowers you to purchase a second hand vehicle through a private sale. Our flexible financing options and accommodating loan terms make it easier than ever to overcome credit obstacles and drive toward a brighter future. Take the first step today and turn your private sale car dreams into reality.

Apply for a bad credit car loan

Secured Car Loans

Bad Credit Secured Car Loans Have Never Been Easier!

Our secured bad credit car loan is a tailored financial solution designed to help individuals with credit challenges get behind the wheel of their dream vehicle. With a secured bad credit car loan, you can overcome past financial setbacks and secure the transportation you need while rebuilding your credit score. Our accessible and flexible loan terms, coupled with competitive interest rates, make it easier than ever to drive toward a brighter financial future. Apply for a secured bad credit car loan today and take the first step toward car ownership and credit recovery.

Apply for a bad credit car loan

Second Chance Car Loans

Australia’s Bad Credit Car Loans Specialists

Ume Loans was founded on the idea of helping people nobody else can. No matter how bad your situation may be or how poor your credit rating is, our team will do everything in their power to help find the right bad credit car loan product for you. Apply now for Fast Approval. If you’d like to know how much you qualify for, no problem, speak with us about setting up a car loan pre-approval so you know exactly how much your loan will be even before you commit to proceed. This is an obligation free service that we provide our customers.

Apply for a bad credit car loan
Car Loan Car Loan

5 Simple Steps To Getting Your Loan

  • Car Loan
    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

  • Car Loan
    2. Speak with an Expert

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

  • Car Loan
    3. Get Pre-Approval

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

  • Car Loan
    4. Finalise your documents

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

  • Car Loan
    5. Get Your new car!

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

5 Simple Steps To Getting Your Loan

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