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Second Chance Personal Loans Australia Wide

Need a second chance for a Personal?

You have come to the Right Place!

Ume Loans is Australia's best provider of debt solutions and a direct lender to individuals and small businesses. Even if you have unique financial circumstances like a bad credit history, Ume Loans may be able to assist you with a Personal loan.

 You need a second chance

 You have defaults (paid or unpaid)

 You have been declined by other banks or brokers

 You have previously 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

How to get approved for a personal loan and save more money?

Buy new or near new personal to avail better rates

Buying a new personal increases your chances of gaining approval and more favourable interest rates. That’s because lenders like taking on lower risks - and as a reward, you gain better interest rates. Buying older vehicles makes it more difficult for lenders to approve your loan.

Find out how much can you afford

Before you approach lenders, you need to know how much you can afford on a personal each month. That’s including repayments, fuel, maintenance, and insurance costs. Know your numbers by using a free online personal loan calculator so you can feel confident with your application.

Pay deposit towards your personal loan

Lenders are more inclined to approve you if you have “skin in the game,” that is, if you have a substantial deposit (20% or more.) Paying a little off up front not only lowers your risk, but also means lower repayments over the lifetime of the loan.

Have documents in order

In finance, there’s no such thing as too much documentation. Gather together payslips, residential histories, employment references, credit scores, and other documentation such as profit and loss statements or tax returns (if you’re self-employed) to maximise your chance of success.

Seek help

If it all seems a bit too confusing, don’t fret. Our team of helpful consultants are here to guide you through the process. Together, we can figure out your best options and find the best deal that suits your needs. We answer all your questions and make finding a great deal easy.


Reviews from our satisfied customers

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

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

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?


10+ Years

Experience in Alternate

We Understand

we provide the good people
with a second chance
Our Team

Our Team

Our team is passionate
about helping people

Simple Process

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