Proudly Australian-owned and operated since 2009, Ume Loans emerged during the Global Financial Crisis to serve borrowers overlooked by traditional banks. When credit markets tightened and qualified applicants were turned away, we stepped in to bridge the gap.

Fundamental Values:

We believe everyone deserves a second chance. We’re committed to looking beyond credit scores to see the person behind the application, providing accessible bad credit car loans, business financing, and personal loans for those overlooked by traditional lenders.

Editorial Guidelines:

We strive to provide content that is trustworthy and accurate. We will make sure all of our content is thoroughly checked and reliable so you can make informed decisions about your personal finance options. Below are our guidelines to make sure we deliver on this promise to our readers:

Our Commitment to Quality Information:

Accuracy is the foundation of everything we write. We promise to give you information that is correct and trustworthy. To do this, we carefully research all our content using reliable sources like government websites, financial institutions, and industry experts. Our editorial team reviews everything before we publish it.

Being fair and balanced is just as important to us. We present information without favouring any financial product or service. Our writers never receive payments or rewards for giving positive reviews about any organisation, not from us or from the financial institutions we write about.

We work hard to make sure you can trust what you read here, so you can make informed decisions about your finances with confidence.

Our Independent Approach:

Our content team is completely separate from the rest of our organisation. This means advertising or business interests never influence the content we create.

Our team is responsible for all content on our website. We regularly review our previously published information to make sure it’s still accurate and up to date.

This independence allows us to provide you with honest, reliable information you can trust when making important financial decisions.

Our Transparency Pledge:

We firmly believe in being open and honest in everything we publish. When we use facts and figures from outside sources, we clearly identify where this information comes from. We also provide the necessary background context to help you fully understand the information we share.

This transparency ensures you can verify our sources and gain a complete picture of the financial topics we cover, helping you make well-informed decisions with confidence.

Editorial Standards Review:

All our content is checked by our editorial team before it goes live. We verify all facts, figures, and details using reliable sources. Our writing is clear and simple, avoiding jargon or hard-to-understand terms.

We also keep our content up to date with the latest news and changes in the financial world.

Customer Feedback:

We appreciate your feedback and welcome suggestions for enhancing our content. Our editorial team reviews every comment and takes necessary steps to resolve any concerns.

If you feel we haven’t met our editorial standards, please go to our contact us page. After we review your feedback, we will take one of the following actions.