Last Chance Car Finance

About

Providing car finance to people whose circumstances are outside the banks criteria

Story

Last Chance Car Finance Pty Ltd (LCCF) is a Australian owned & operated company. We are a fully licenced lending company and are regulated by ASIC. We were founded in 2009 to provide motor vehicle finance to customers whose circumstances are outside the bank's criteria. The Global Financial Crisis (GFC) was the catalyst for the birth of our company. As the credit markets tightened and finance companies stopped lending many good borrowers were left without funding. LCCF now fills this gap in the lending market.

Our Managing Director Dan Fox has had over 10 years experience (Ge Finance & Insurance & Avco Finance & Insurance) managing loan portfolios worth many millions of dollars and now he uses this experience combined with our proven credit scoring model to ensure strong consistent growth and minimal losses.
Our computer system is second to none and gives us fast and accurate documents at the push of a button.

Dan says "Bad things can happen to good people. On many occasions having a small utility bill default or just changing jobs recently does not mean a customer is a significantly high risk. We look at the customers whole situation and make a balanced and informed credit decision"

Mission

To be the non bank, sub prime car loan lender of choice for borrowers across Australia.

Products

Finance - Whether its a car loan for private use or a car loan for business use we have options to help you. We have personal use car loans, leases, chattel mortgages etc. Finance for people whose circumstances are outside the banks criteria.


Insurance - We can include in your car loan the following insurances to protect both yourself and your new car:
Comprehensive Car Insurance
Security Shortfall Insurance
Loan Protection Insurance


Warranty - We can include in your loan a mechanical warranty to protect you against expensive repairs.
There are various types of warranties available so please speak to our staff for further information.

"At Ume Loans we understand that bad things can happen to good people. We believe that if you can demonstrate that you can afford a loan, then you should be given the second chance you need, despite what may have happened in the past"