1. Apply Online
Enter some basic details so we know who you are, and what you're looking for! This will not affect your credit score. This is where you will submit your bank statements online.
Loans for Everyday Australians
- Apply in minutes, it won't affect your credit score
- Loans from $5,000 to $50,000
- 15+ years saying yes when others said no
Need a second chance with your finance?
We offer fast approvals, flexible terms and affordable repayments to suit your needs.
Bad Credit Car Loans from $5k to $50K
Need a second chance car loan to buy a new or used car?
Bad Credit Business Car Loans from $5k to $50K
Secured finance for your next work vehicle
Secured Personal Loans from $5k to $50K
Need a personal loan with bad credit? We're here to help you.
Lite Doc Commercial Loans from $5k to $50K
Low doc car loans designed for hard working business owners.
Let’s chat about your finance options!
CALL US
Bad credit car loans for people who may not fit the banks normal lending criteria.
- You need a second chance
- You have some missed payments or bills
- You have previously been bankrupt
- You have defaults (paid or unpaid)
- You have been in a part 9 debt agreement
- You have court judgements
- Self employed and don't have tax returns
- You have been declined by other banks or brokers
Apply Now
Get started takes only 2 minutes!
5 Simple Steps To Getting Your Loan
Enter some basic details so we know who you are, and what you're looking for! This will not affect your credit score. This is where you will submit your bank statements online.
2. Speak with an Expert
Our Australian based Lending Specialists will reach out to discuss what documents they need from you.
3. Get Pre-Approval
Once approved, your lending specialist will guide you through the details - so you know exactly what to do!
4. Finalise your documents
Once you've decided on your new purchase, we'll prepare the documents for you to sign online.
5. Get Your new car!
Once all parties have the paperwork, you'll be ready to settle your finance!
We Believe inFinancial Second Chances
15+ Years
Experience in Alternate Lending
Our Team
Our team is passionate about helping people
Simple Process
Apply online in minutes
5 Star Reviews
Rated 4.9 out of 5 by our customers on Google
We're Australia's FairestBad Credit Lender
Bad Credit Lending Specialists
You will have a dedicated Lending Specialist to guide you through our simple, fast online process and answer any questions that you may have along the way.
Why Choose Ume Loans
Ume Loans is Australian owned & operated. We're a fully licensed lending company and are regulated by ASIC. We were founded in 2009 to provide finance to customers whose circumstances are outside the bank's normal lending criteria.
Bad Credit Loans for Good People
As credit markets tightened and finance companies stopped lending, many good borrowers were left without the ability to obtain a loan. Ume Loans fills this gap in the lending market.
Experienced Poor Credit Lenders
We use our bad credit lending experience combined with our proven credit scoring model to ensure that we help as many people as possible, with minimal stress.
Questions?We've got answers!
Yes. We take our obligation to be a responsible lender seriously and are very focused on compliance and treating every customer fairly.
Consumers are well protected when using Australian licenced lenders.
Our Australian Credit Licence number is 383502
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