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.
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.
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
Need finance?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