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What we finance

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.

bad credit tractor loans

bad credit truck loans

bad credit used car loans

bad credit ute loans

bad credit van loans

bad credit boat loans

bad credit Camper Trailer loans

bad credit campervan loans

bad credit caravan loans

bad credit Classic Car loans

bad credit Equipment loans

bad credit Jetski loans

bad credit Mini bus loans

bad credit Motorbike loans

bad credit New car loans

bad credit Ride on mower loans

bad credit Scooter loans

bad credit Trailer loans

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

Buy new or near new car to avail better rates

Buying a new car 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 car each month. That’s including repayments, fuel, maintenance, and insurance costs. Know your numbers by using a free online car loan calculator so you can feel confident with your application.

Pay deposit towards your car 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.