At Ume Loans, we believe everyone deserves a second chance. If you’ve struggled with bad credit in the past, don’t worry, you’re not alone, and you’re not out of options. Our secured personal loans are specifically designed to provide practical, stress-free solutions for those who’ve faced financial setbacks.
We look beyond the credit score to understand your situation and offer loan amounts from $5,000 to $50,000, with flexible terms tailored to your needs. Whether life didn’t go as planned or you're rebuilding after a tough patch, we’re here to support your next step.
|
|
|
Do you need funds for a purpose not listed here? No worries! Just pick up the phone and give our friendly team a ring so they can understand more about what you’re looking for and put together a solution that meets your needs!
This allows us to ensure your loan makes a real difference and puts you in a better position.
Do you need funds for a purpose not listed here? No worries! Just pick up the phone and give our friendly team a ring so they can understand more about what you’re looking for and put together a solution that meets your needs!
A secured personal loan is a loan where funds are lent to you and securitised against a vehicle you already own. This allows us to lend you a higher amount at a lower rate when compared to an unsecured loan, as it gives us added security and assurance someone will maintain their repayments. In the event repayments aren’t maintained, the vehicle can then be repossessed and sold to help cover the cost of the loan.
These requirements show that you have valid working rights in Australia, steady income and to comfortably handle repayments, and are not in financial hardship.
We know how hard it can be to find finance when you have bad credit. That’s why we make it simple and stress-free:
We believe everyone deserves a second chance. If you meet our eligibility requirements, we’re ready to help you get the funds you need while rebuilding your credit score – quickly and without judgment. Apply today so a dedicated Lending Specialist can work with you to get your secured personal loan approved today.
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.
Our Australian based Lending Specialists will reach out to discuss what documents they need from you.
Once approved, your lending specialist will guide you through the details - so you know exactly what to do!
Once you’ve decided on your new purchase, we’ll prepare the documents for you to sign online.
Once all parties have the paperwork, you’ll be ready to settle your finance!
It takes just 2 minutes and its obligation free
15+ Years
Experience in Alternate Lending
We Understand
We provide good people with a second chance
Our Team
Our team is passionate about helping people
Simple Process
Apply online in minutes
A secured personal loan has all the benefits of a normal personal loan where you can use the loan proceeds for any worthwhile purpose, but in this case the customer offers the lender an asset as security on the loan. This is a type of personal loan that Ume Loans can offer to its customers.
Yes. Our Lending Specialist at Ume Loans are experts at helping customers with bad credit ratings obtain the personal loans they need and want. We believe in financial second chances.
It’s simple to apply for a personal loan and will take you less than 2 minutes to get started.
You simply click the green APPLY NOW button on our website, you will be asked let us know what worthwhile purpose you will use the loan funds for.
Yes. Ume Loans have no minimum credit score requirement. We are more interested in your future and your ability to repay the personal loan, than what has happened in the past.
A secured personal loan is backed (secured) by something you own, like the car you are financing. unsecured loans can have lower interest rates and larger loan amounts – but there’s the risk of losing your asset if you default on your payments. An unsecured loan doesn’t required security, but it has higher interest rates and smaller loan limits.
