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Loans made Simple
Secured
Personal Loans
$1.5k - $20k
☑ Simple process
☑ For any personal reason
☑ Terms up to 36 months
Unsecured
Personal Loans
$1.5k - $3k
☑ Fast approval
☑ No security required
☑ Terms up to 24 months
Learn moreCar financing
$5k - $50k
☑ Private & dealer
☑ Terms up to 48 months
☑ Personalised insurance
Learn moreFast Approval
From application to approval takes less than 30 minutes
How much can I borrow?
Depending on your budget and security, from $1500 to $25000
What do I need?
To get a Yes Finance Personal Loan you need to meet our lending criteria including
- be at least 18 years old
- receive regular income
- money left after expenses to pay our loan
- be NZ citizen or resident
- prove your identity and earnings
Online signing
You can sign your documents electronically with your smart phone wherever you are.
Competitive rates
Interest rates, flexible terms and payments to suit your pocket, anything is possible.
How long for?
Terms can be tailor made to suit your budget up to 36 months.
What can you use as security?
For personal loans you can use your car, property or other assets.
We can even consider unsecured lending if you are eligible.
How long to get paid?
Funds can be deposited into your account same day as signing.
Competitive interest rates
10 minute
online application
Loan terms 6 - 36 months
Photo ID
Bank Statements
Proof of address
Fast loan approval
Online signing
with your phone
Interest Rates
Yes Finance interest rates vary from 14.9% p.a. to 29.9% p.a., and the actual rate charged will depend on many factors including the amount of lending, the term of the loan, size of deposit, customer credit history and risk profile.
Term of the loan
Yes Finance loans are generally on terms from one to three years. We will work with you to set a term that suits you and your budget.
Fees
An establishment fee of $350 (for up to two borrowers) is charged for processing the application.
For more detail on fees visit our Standard Administration Fees and Charges
Sample Loan
If you borrow $3,000 over a term of 24 months at an interest rate of 15.95% p.a. you will end up repaying $4,074.72 inclusive of all fees and interest.
