Car financing – say YES to the car of your dreams!
Are you in the market for your first car, a larger car, a utility, or a motorbike? If it has wheels, whether it’s a Toyota, Ford, Mazda, Holden, Nissan, Honda, Hyundai, or BMW, we can help you get the vehicle you want.
We can provide low-deposit car loans and in some cases no deposit vehicle finance to provide you with the best car loan we can.
With a car loan, you can buy from a private seller, at an auction, from TradeMe, or from a car dealer.
If you are buying privately or via TradeMe we will check the car ownership, check there is no money owing, and check it has a current registration and warrant of fitness. We then ensure that the funds are paid to the right person.
Vehicle finance interest rates
Our rates are very competitive. The actual rate you will pay is based on your individual profile and reflects your credit history, ability to service the loan, employment stability, and the vehicle being used as security.
Pre-approved car loans
You can apply for a car loan before you have found the particular vehicle you want to buy. A pre-approved car loan allows you to go shopping knowing how much you can afford to spend. You also have all the benefits of being a cash buyer – meaning you’ll be able to negotiate the best deal.
Refinancing your existing car loan
We can also look at refinancing your existing vehicle loan if you believe you are paying too much or your current interest rate seems very high. Call us today for a no-obligation quote on 0508 10 50 10 or use our online calculator to see if we can save you money.
Online loan application
We have designed our online application to collect the smallest amount of initial information to enable us to do a quick assessment to see if we can help you.
Nobody likes filling in forms but the more effort and detail you put into completing the application the quicker we can get back to you with an answer, there are Responsible Lending checks we must complete.
If you would rather us call you to complete the balance of the loan application we are happy to do that.
Interest Rates
Yes Finance interest rates vary from 14.95% p.a. to 22.9% p.a., and the actual rate charged will depend on many factors including the amount of lending, the term of the loan, size of the deposit, customer credit history, and risk profile.
For more detail on fees visit our Standard Administration Fees and Charges
Car loan Calculator
Estimated repayment
Minimum weekly repayment, based on interest rate of 19.9%, and includes establishment fee and monthly service fee
$0
Includes:
- $0 Payment protection
- $0 Principal + interest
These amounts are indicative only and calculated over a calendar year. The purpose of the calculator is to give an indication of amount you can borrow only. The amount on a loan may differ depending on your application assessment and insurances taken.
Interest Rates
Yes Finance interest rates vary from 14.95% 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 $240 for secure personal loan, $200 for unsecured personal loan, plus $50 for each additional borrower is charged for processing the application.
For more detail on fees visit our Standard Administration Fees and Charges