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.

Borrow up to $50K for your next car!

Our Lite Doc Car Loan is built for hardworking business owners who may not have access to traditional financial documentation. Instead of tax returns or financial statements, we accept alternative proof of income, making the approval process faster, easier, and potentially enabling same-day approval.
Whether you're buying new or used, from a dealership or private seller, our loan is designed to give you the flexibility and freedom to get the vehicle you need, without the usual paperwork hassle.
Our Lite Doc Loan Features

If you’re ready to purchase a vehicle for your business and you’re looking for a stress-free Lite Doc Car Loan, we’re here to help. Whether you need a reliable ute for your trade, a van for deliveries, or a car for client meetings, your dedicated Lending Specialist will guide you every step of the way.
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.
One of our Lending Specialists will call you to speak with you about your options.
We'll get to work on getting your loan pre-approved as soon as you supply the required supporting documents.
Once everything is verified, you can sign your contracts electronically.
Time to go shopping for your new car or pick up the one you've already chosen.

Experience in Alternate Lending

We provide good people with a second chance

Our team is passionate about helping people

Apply online in minutes

Business owners with bad credit can still access car finance to keep operations moving, preserve cash flow, and potentially rebuild...

Self-employed Australians with bad credit can still get a vehicle with a low doc car loan. Minimal paperwork: just ID...

You can get a business loan without full financials through low-doc or lite-doc lenders, including specialist non-bank lenders like Ume...
A Lite Doc car loan allows you to purchase a vehicle for your business without needing to supply full financials normally required by lenders, such as Tax Returns and Notices of Assessment. Instead, we utilise the income evident in your business bank statements to assess your application.
Let’s chat about your finance options.
CONTACT USLoan good rate
Mohammed Shaheed
5 days ago
Georgia was absolutely fantastic to deal with, thorough and explained loan facility also went over and beyond with her level...
Ryan James O’Neill
7 days ago
Thank you Ume Loans and their representative Georgia Robb for their fluid and "outside if the box" approval of my...
Iain Roebuck
last week
Ume helped me find the best loan for me, and were very flexible with my extra requests. They were so...
Brittany O'Shea
last week
Emma from UME Loans was wonderfully non-judgemental and solutions focussed. She was quick and courteous and I am really happy...
Kym Korbe
last week
Carys has been excellent through our whole process. Keeping us up to date each step of the way. Thankyou for...
Hayley Walkom
2 weeks ago
First car loan I have ever got from the very first moment of my enquiry Emma was so helpful always...
Robert Rachow
3 weeks ago
Great customer service and prompt service as well shout out to Olivia and Emma for helping would recommend them and...
Jason Lowe
3 weeks ago
Emma is the man.. very professional and helpful. Highly recommended
Eric A
3 weeks ago
Emma was able to answer any questions I had and made the process very simple for me. She was very...
Fatu Salima
3 weeks ago
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.
One of our Lending Specialists will call you to speak with you about your options.
We'll get to work on getting your loan pre-approved as soon as you supply the required supporting documents.
Once everything is verified, you can sign your contracts electronically.
Time to go shopping for your new car or pick up the one you've already chosen.

Experience in Alternate Lending

We provide good people with a second chance

Our team is passionate about helping people

Apply online in minutes
Loan good rate
Mohammed Shaheed
5 days ago
Georgia was absolutely fantastic to deal with, thorough and explained loan facility also went over and beyond with her level...
Ryan James O’Neill
7 days ago
Thank you Ume Loans and their representative Georgia Robb for their fluid and "outside if the box" approval of my...
Iain Roebuck
last week
Ume helped me find the best loan for me, and were very flexible with my extra requests. They were so...
Brittany O'Shea
last week
Emma from UME Loans was wonderfully non-judgemental and solutions focussed. She was quick and courteous and I am really happy...
Kym Korbe
last week
Carys has been excellent through our whole process. Keeping us up to date each step of the way. Thankyou for...
Hayley Walkom
2 weeks ago
First car loan I have ever got from the very first moment of my enquiry Emma was so helpful always...
Robert Rachow
3 weeks ago
Great customer service and prompt service as well shout out to Olivia and Emma for helping would recommend them and...
Jason Lowe
3 weeks ago
Emma is the man.. very professional and helpful. Highly recommended
Eric A
3 weeks ago
Emma was able to answer any questions I had and made the process very simple for me. She was very...
Fatu Salima
3 weeks ago