Car loans – say YES to the car of your dreams!

Are you in the market for your first car, a larger car, a utility, or 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 and start from 11.95%. 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.

If we can assist you we will ask you to complete a more detailed application. 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.

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 9.9% 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 deposit, customer credit history and risk profile.

For more detail on fees visit our Standard Administration Fees and Charges


Car loan Calculator

I assess my credit as


Loan Value

Loan Term

Include Mechanical Warranty (for the term of the loan)?

include GAP Insurance?

Estimated loan value

Minimum weekly repayment Includes establishment fee and monthly service fee



$0 Payment protection
$0 principal + interest

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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.




"Just a short note to acknowledge receipt of payment, and to thank you for your top service." - Peter Smith
"Just wanted to say thank you to yourself and please pass it on to Graeme and the rest of the team for helping us over the past few years – you have obviously been a great help for us and it has allowed us to get into a much better position." - Kris
"I would like to thank you Toni for your support and understanding when my family had a change of circumstances hehehe well more than once.It has been fantastic service for the time that the car was on finance thank you again." - Kohu Tongaawhikau
"You advertised a great deal on the radio and promised great service and I received all of the above. Your team are true professionals!" - C Walsh, Hamilton
"Thanks so much for all your kind assistance rendered since the beginning of this year. I think out of all the financials I’ve dealt with during my time of financial hardship, I can boldly say that Yes Finance has been the only finance company who has dealt with me as a person and not just someone to abuse to pay more." - Nunia
"Thanks for sending through the paper work – I received it yesterday. I also wanted to thank you for the great customer service you provided, and also the Events Cinema card (awesome!). If only more companies offered such great service!" - De Wet
"AWESOME (even with the interest)!!!!!!! I can’t wait. I will let you know when I have everything. Thank you so much for your efficiency, friendliness and help. I really appreciate it." - Karyn Grey
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