We don’t think lending should be complicated, so we’ve uncluttered the whole process. Umi lets you apply and take care of everything you need to process your loan online.
Better yet, we have a competitive rate and no hidden fees.
Sound too good to be true? It’s possible with the backing of GE Capital, one of the largest financial lenders in Australia.
If you have any questions you can give us a call.
Personal loans are all about money, so naturally you don't want to pay more than you need to. At Umi, our rate is less than many other personal loans on the market and the benefit of a personal loan is it’s a fixed payment over a fixed term, rather than a credit card where you may be tempted to add new purchases to your balance.
Most people are time poor, so we’ve streamlined our loan process to make it as efficient as possible...
Apply anytime from anywhere. With Umi you don’t even need to leave your couch!
Choose what you want your loan for, how much you want to borrow and how long you want to pay it back.
Umi keeps borrowing clear and simple so you can make the most out of life. That usually starts at home.
Top up your savings with up to $50k and hit the road or water. Umi’s swift decisions and competitive rates mean we’ll have you driving, riding, sailing or cruising in no time. Get an Umi loan for a new or used:
Whether it’s coral reefs, snow-filled slopes, bustling cities or coastal escapes, Umi can help you get away from it all.
One regular repayment is easier than multiple credit card, store card or loan repayments, with numerous payment amounts and due dates from approval. That’s why Umi can help with debt consolidation and refinancing options at a competitive rate.
There is always value in education – whether it’s for you or the ones you love. That’s why Umi offers loans for university, TAFE, short courses and even for your children’s school fees.
Once in a lifetime occasions are worth doing right. Whether you’re planning a birthday, engagement or wedding, Umi can help put the finishing touches on your special day. Or, if you need help to take part in someone else’s special day, like travelling to an overseas wedding, an Umi loan could get you there.
You’ll never regret investing in your health and wellbeing, that’s why Umi offers personal loans for many health priorities. If you’re interested in a loan to cover one of the medical purposes listed here, an Umi loan can help you feel better:
Whether you want to invest in an original art piece you want or a computer you need, Umi can help you achieve your goal with $3 – $50k.
Other figures you need to know:
You’re not confined by set regular payments so if you can afford a little extra, or a lot extra, then no problems. And there’s no early payout fee if you pay your loan out in the last six months.
$250
Once-off Establishment fee
A once-off fee for establishing your account
$10
Monthly service fee
Charged monthly on all loans
$150
Early payout fee
This will only be incurred if you pay out your
loan before the last six months of the loan term
$35
Late payment fee
Only incurred if you don’t make your
payment on time
Here’s every cost upfront, with the fees and charges across all Umi loans.
We offer two fee-free repayment options for your convenience:
For starters you will need to:
Applications take less than 15 minutes
You’ll need to tell us:
After submitting your application you'll either be approved in 60 seconds, conditionally approved, referred for further information or declined.
Sometimes we need further proof of your income or that you are who you say you are, e.g. two recent payslips, driver's license or passport. If so, we’ll let you know during the application process.
Once you’ve accepted our loan offer we will electronically transfer your money into your account. This will take no longer than two working days from approval.
^Based on an unsecured loan of $10,000 over 3 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Terms & conditions, fees & charges apply.
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