Second chance leisure loans

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Need a second chance for a leisure product?

You have come to the Right Place!

At Ume Loans we understand that bad things can happen to good people. We believe that if you can demonstrate you can afford a loan then you should be given the second chance you need, despite what may have happened in the past.

 You need a second chance

 You have defaults (paid or unpaid)

 You have been declined by other banks or brokers

 You have been in a part 9 debt agreement

 You have some missed payments or bills

 You have court judgements

 You have previously been bankrupt

 Self employed and don't have tax returns

Tips For Leisure Loans


Choose a figure that’s realistic and fits within your means. You might have to do a budget of all your expenses and compare this with your income. When you know how much extra you have left after your expenses you will be able to decide how much you can afford to pay in credit installments. This will help you decide on how much to borrow.


Along the same lines as having your financial house in order is also having a good credit history and current means to repay the loan. If you have a great credit score, with some extra savings, there is a much higher chance that you will be approved for a leisure loan. If you want to look the best to a lender, make sure you get a credit report and remove any mistakes that may be on the report.


One of the biggest things lenders look for is that you have your ‘financial house’ in order. Part of ensuring you are ready for a leisure loan, is making sure you are attractive to a lender. One of the first things they will look for is that you are employed in a stable job for a certain amount of time. If you want to be approved, you will need to be employed.


If you are looking to secure your leisure loan with a personal asset, the lender will be looking for an asset that has residual value worth the amount of the loan. Property ownership show great value but this could also be Shares, Savings, or Business assets.


Credit providers prefer borrowers in stable employment. You will stand a better chance of obtaining approval if you can demonstrate uninterrupted employment over a long period of time.


The real people at Ume Loans are trained in the best practices of responsible lending and it will only take a few minutes for them to provide you with a practical assessment of your credit needs and objectives, providing you with suggestions of possible credit solutions that will not be unsuitable for you.


Reviews from our satisfied customers

Need finance?
will get it for you

Great friendly lenders happy to help where they can. Great for people who have troubles getting a loan thought main stream banks

By Tasha Janssen

5 stars reviews

Customer Feedback

As a finance broker I'm always looking for solutions for my clients. Ume Loans work with me to get my client loans approved. Courtney and the team are amazing to work with and I now have very happy clients! Keep up the great work!

By Darren Fidoe

5 stars reviews

Quick and easy highly recommend

Great Friendly service. Completely recommend for anyone wanting a loan from a business that actually cares.

By Mark Gradidge

5 stars reviews

Ume Loans is rated 5.0 in overall satisfaction by  Google  Google Ume Loans is rated 5.0 in overall satisfaction by  Google  Google

What are the next steps from here?


Why Choose Us?


11+ Years

Experience in Alternate


We Understand

we provide good people
with a second chance

Our Team

Our Team

Our team is passionate
about helping people


Simple Process

Apply online in

Ume Loans Pty Ltd ABN 25 138 637 064. Australian Credit Licence Number 383502.