Call Centre & Customer Service Sales - Inbound
Call Centre & Customer Service Sales - Inbound
Established in 2009, the core of our business is helping customers obtain loans even if they don't fit the traditional bank or finance company criteria. At Ume Loans we understand that bad things can happen to good people. We believe that if a customer can demonstrate that they can afford a loan, then they should be given the second chance they need, despite what may have happened in the past.
Our loans range from $5000 to $30000 for all types of vehicles including cars of all ages, motorbikes, jetski's, boats, caravans, camper trailers and business equipment. We do not provide payday loans or similar.
Qualifications & Experience
Tasks & Responsibilities
Please send your Resume and covering letter addressing:
1. What has attracted you to this role?
2. Why do you feel this is the right opportunity for you?
Any application sent without a Resume and Covering Letter addressing our opportunity, including the two points above will be disregarded.
Below we've pulled together answers to some of the most popular questions about Ume Loans.
If there's a question we've left unanswered or you can't find what you're looking for, get in touch with us.
As part of our process, we make sure that we protect your credit file and credit score. To get your second chance loan with us, It's important that you don't apply for any other loans right now. If you make other loan applications elsewhere, this will reduce your credit rating and could hurt your chances of obtaining the best loan approval.
We have a fast online and phone call process. Using the latest technologies to help you, we can have a loan pre-approval in place within 24 hours.
No. We don’t perform credit checks on every application.
Having said that, remember, we are Bad Credit Experts and we love giving people a financial Second Chance. So, even if there is something nasty on your credit file that alone won’t necessarily stop you getting a loan with us as we will take the time to understand and assess your circumstances now.
As your Lender of choice, we want to ensure that you get the loan approval that you want. We take the time to fully understand your situation and put together the best loan package we can for your individual circumstances. As we give many customers loans who do not qualify for a traditional bank loan, we do charge higher Interest Rates. Please read our Interest Rate Statement below.
If you're not happy with what we are able to offer you, you can simply let us know that you don't wish to proceed with the loan offer and it has cost you nothing.
Even with some previous or current credit defaults you may still be eligible for a loan with Ume Loans. Our Lending Specialists are experts in bad credit loans and we take the time to personally understand and assess your financial situation to make sure any loan we offer you is suitable.
The choice of car is totally up to you. We will finance cars purchased from Car Dealers or Private Sale. Ume Loans also offers a complimentary vehicle finding service with one of our independent vehicle broking services. You can simply let them know what type of vehicle you would like to purchase, and their role is to find you the best vehicle that suits your needs. They will even negotiate the best deal on your behalf to ensure that you don’t pay too much.
Yes. If you are buying a car, we would always recommend an appropriate car insurance policy to protect you in the case of an accident or theft of your car. As an authorised agent for Suncorp Car Insurance, we can assist with this and include the insurance in the loan. Alternatively, you can choose any Insurance company, just provide us with a copy of the insurance policy noting Ume Loans as the financier.
We encourage our clients to pay extra and pay the loan off early.
Ume Loans company policy is that someone on the loan must be working.
Your weekly or fortnightly repayments will be direct debited out of your nominated bank account on the days that coincide with your income payments.
No, our minimum loan is $5000.
On most occasions we simply verify your income from your last 3 months bank statements
After applying online, you will need to make yourself available to talk to one of our Lending Specialists for around 20 minutes. During this call we will be asking lots of questions to better understand your current financial circumstances so we can offer you the most suitable loan. We will also need supporting documents such as:
We use a secure, electronic link to obtain your last 3 months bank statements. This is by far the fastest way to get your application assessed ready for approval.
Its not a NO, it’s a not now
If Ume Loans is unable to approve your application, we will explain to you why and what you can do to improve your financial situation so that you may be approved in the future. In fact, we have put together an article that details the 5 Steps you should take to improve your chances of getting a loan.
Ume Loans have a thorough dispute resolution process which is detailed in our complaints process below.
If you are unhappy about anything with your dealings with Ume Loans our Managing Director Dan Fox wants to know about it. Please reach out to Dan on 07 5443 3863 and let him know what you are unhappy about.
We are available for your call between 9:00am and 5pm Monday to Friday. Simply call us on 07 5443 3863
Ume loans finance all types of vehicles, from new and used motor vehicles to leisure vehicles like caravans, boats and jetski's. Below are just some of the product types we finance.
Most of our customers are simply unable to obtain a low interest rate loan due to something unfortunate in their individual circumstances meaning they can’t meet the terms and conditions required for a traditional loan. It could be bad credit from a business or marriage failure, it could be loss of employment or a health issue that caused a financial problem in the past. At Ume Loans we take the time to assess your current circumstances and just because you don’t qualify for a low interest rate bank loan doesn’t mean you can’t get a loan with us. But, please understand that giving people a financial second chance means we take more customer risk and therefore need to charge higher interest rates. This disclaimer explains this to you.
As you are contemplating entering into a loan contract with Ume Loans, we ask that you read the following very carefully. Should you sign a credit contract with Ume Loans after reading this Statement, Ume Loans will presume that you have read every word, understand the meaning and accept the following:
Thank you for reading this important Statement.
If you have any questions and/or require further explanation, please ask one of the Ume Loans team.