UME is a “buy now pay later” consumer credit platform capable of achieving increased reach at competitive rates. For Retailers it provides a risk-free solution to leverage their sales by offering credit to customers, who have access only to cash or very low limits on their credit cards. Our mission is to make credit more accessible through fair, transparent and life changing products. No hidden fees, unclear terms, or abusive interest rates, we are working to make our customers’ lives financially better.