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.
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 FeedbackAs 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
Great friendly lenders happy to help where they can. Great for people who have troubles getting a loan thought main stream banks
will get it for you
By Tasha Janssen
Quick and easy highly recommendGreat Friendly service. Completely recommend for anyone wanting a loan from a business that actually cares.
By Mark Gradidge