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Personal loans

Loan Features

Looking to fund your next important project? Look no further than a clever online loan from Umi.

Discover a new way to think about money

Umi is the clever funding alternative for people looking to get ahead.

Whether it's improving the value of your home with a renovation, updating your car instead of paying costly repair bills, or investing in education by making sure you have the best materials, Umi provides personal loan finance at the rate you deserve.

Umi is also a clever way to avoid credit card fees for a dream holiday or taking stock of multiple bills by consolidating your credit card and store card debt into one regular repayment. In fact, whatever your plan, a clever online personal loan from Umi might be the smart way to achieve it.

With fixed payments, no hidden fees, competitive interest rates and the backing of Latitude Financial Services (one of the largest financial lenders in Australia), you can structure a personal loan that suits your needs.

  • Personal loans up to $50K*
  • 1-7 year loans
  • Extra repayments available
  • Funds in less than two working days from approval
  • No early payout fee if you pay your loan out in the last six months
  • Fee-free repayment options via Direct Debit or BPAY

*Subject to lending and approval criteria

Rates & Fees
Fixed Rate
(Comparison rate 15.76% p.a.†)		 11.99% p.a.
Once-off establishment fee
A once-off fee for establishing your account		 $250
Monthly service fee
Charged monthly on all loans		 $10
Early payout fee
This will only be incurred if you pay out your loan before the last 6 months of the loan term		 $150
Late payment fee
Only incurred if you don't make your payment on time		 $35
  1. † 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.