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  • Personal loan conditions
    Do you qualify?

How do I qualify?

  • You must over 18 years of age
  • Have New Zealand citizenship or residency or a current work permit
  • Provide identification – this is an official form of identification like a current drivers’ licence or passport
  • Fully complete an application

Yes Finance is generally more lenient than lenders like banks. We will verify all information provided in the loan application to ensure accurate details have been provided. We will base our lending decision on several factors including:

Security – Typically loans must be secured against unencumbered (freehold) vehicles, boats, personal chattels or property. Where a principal borrower does not have any available security, this may be provided by a partner or relative who would become a party to the loan as a co-borrower or guarantor.

Stability – We consider both your residential status and employment situation. These would need to be stable, and your income will need to be consistent.

Affordability – Your ability to repay your loan and meet your existing outgoings.

Credit History Your credit history is checked and we will require an acceptable explanation for any defaults. If your credit history is not acceptable we will require a guarantor who has a proven credit history.

What is a Pre-approved Loan?

If you want to purchase a vehicle, boat, caravan – or almost anything – but need to know if you can get the finance to pay for it, we can give you a pre-approved personal loan.

A pre-approved loan will enable you to shop around for your purchase with the knowledge that your finance is already approved.

Pre-approved loans are valid for 30 days from the date of approval.

What is a secured personal loan?

A secured loan is a loan where the borrower provides an asset (e.g. a car or property) as security for the loan, this may be provided by a partner or relative who would become a party to the loan as a co-borrower. In some cases you can borrow up to 100% of the value of the security. The interest rate charged will also reflect the quality of the security and the amount of the loan versus the value of the security.

Our loans are commonly secured by motor vehicles, property caveat, boats, caravans, household chattels, or a combination of them. If you are borrowing to purchase an asset we can use that asset as security or partial security for the loan.

If you have any questions, can’t find the answer on our site or want to know more about the process or information you have been asked to provide, give us a call on 0508 10 50 10 or send us a message.

Unsecured personal loans

An unsecured loan is when there is no requirement for you (the borrower) to provide any security for a loan. Typically, this means that the amount you can borrow is less and the interest rate charged is normally higher.

Yes Finance provides unsecured loans of up to $2,000. To qualify for an unsecured loan you must be in stable employment with sufficient income and have no prior adverse credit history.

Do You QUALIFY?

Find out

HAVE YOU GOT A QUESTION?

View FAQ's
I have been with Yes Finance for like 11 years and every time i need a car travel and extra Y/F has helped me 100%. I love being Y/F client. wouldn't have any other way

Shylo D

Yes Finance Limited
2019-05-09T22:29:05+00:00

Shylo D

I have been with Yes Finance for like 11 years and every time i need a car travel and extra Y/F has helped me 100%. I love being Y/F client. wouldn't have any other way
Awesome customer service - treated as a human being not a number

Diana C

Yes Finance Limited
2019-10-22T00:43:49+00:00

Diana C

Awesome customer service - treated as a human being not a number
Just a short note to acknowledge receipt of payment, and to thank you for your top service.

Peter Smith

Yes Finance Limited
2019-04-15T02:43:39+00:00

Peter Smith

Just a short note to acknowledge receipt of payment, and to thank you for your top service.
Hi Anji
Thank you for the excellent service!!!

Timothy M

Yes Finance Limited
2019-10-17T20:51:24+00:00

Timothy M

Hi Anji Thank you for the excellent service!!!
They are amazing to deal with very Polite friendly helpful.
Fully reccomend them to anyone looking for a loan of any sort. Extremely quick also

Christine J

Yes Finance Limited
2019-05-09T22:27:30+00:00

Christine J

They are amazing to deal with very Polite friendly helpful. Fully reccomend them to anyone looking for a loan of any sort. Extremely quick also
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 G

Yes Finance Limited
2019-04-15T04:19:31+00:00

Karyn G

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.
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 T

Yes Finance Limited
2019-04-15T03:50:32+00:00

Kohu T

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.
Painless process. Excellent service and very, very, quick turnaround from a query to approval. Thank you so much!

Barbara P

Yes Finance Limited
2019-10-22T00:40:15+00:00

Barbara P

Painless process. Excellent service and very, very, quick turnaround from a query to approval. Thank you so much!
Hi Kendall
Omg!! Thank you so much!! You are truely amazing and the 1st ever financial company who took the time to go thru thoroughly with all my financial situation and looked at full picture! Yes..i accept the quote provided and will send through documents needed! Thank you so much! God bless!

Kind regards
Serah

Yes Finance Limited
2021-02-08T21:52:15+00:00

Kind regards
Serah

Hi Kendall Omg!! Thank you so much!! You are truely amazing and the 1st ever financial company who took the time to go thru thoroughly with all my financial situation and looked at full picture! Yes..i accept the quote provided and will send through documents needed! Thank you so much! God bless!
I would give 100/100 to Yes Finance. Really helped me out. Fast and efficient. Thanks alot Ajeshni for your continuous help really appreciate your hard work and effort. Highly recommend others to use YES FINANCE.

Zaliya M

Yes Finance Limited
2019-05-09T22:30:22+00:00

Zaliya M

I would give 100/100 to Yes Finance. Really helped me out. Fast and efficient. Thanks alot Ajeshni for your continuous help really appreciate your hard work and effort. Highly recommend others to use YES FINANCE.
Awesome company amazing fast service. I’ll like to thank you so much Shweta Kashyap for your awesome service you helped me out so much and I can’t thank you enough!!
You went above and beyond for me!!! I highly recommend yes finance.

Tina T

Yes Finance Limited
2019-05-09T22:25:38+00:00

Tina T

Awesome company amazing fast service. I’ll like to thank you so much Shweta Kashyap for your awesome service you helped me out so much and I can’t thank you enough!! You went above and beyond for me!!! I highly recommend yes finance.
I would like to thank you for help with my loan application. My husband & I appreciate your hardwork and dedication towards sealing the deal on Monday despite the cut off time you still managed to pull it through!

Nikita H

Yes Finance Limited
2019-04-15T04:20:47+00:00

Nikita H

I would like to thank you for help with my loan application. My husband & I appreciate your hardwork and dedication towards sealing the deal on Monday despite the cut off time you still managed to pull it through!
I am a customer of Yes Finance. I can't stress how absolutely grateful I am to Tracey who has been dealing with my account. I had recently gone through some really tough heartbreaking stuff lately and Tracey went way above and beyond any expectations I could imagine. Wether she realizes I or not I had actually come so close to giving up but she kept in constant contact and I just can't find the words that are meaningful enough to express how much her Customer Service meant to me during the hard times. I highly highly recommend Tracey for her superior service. It's nice to know we aren't just an account payer.

Gail T

Yes Finance Limited
2021-07-15T23:27:39+00:00

Gail T

I am a customer of Yes Finance. I can't stress how absolutely grateful I am to Tracey who has been dealing with my account. I had recently gone through some really tough heartbreaking stuff lately and Tracey went way above and beyond any expectations I could imagine. Wether she realizes I or not I had actually come so close to giving up but she kept in constant contact and I just can't find the words that are meaningful enough to express how much her Customer Service meant to me during the hard times. I highly highly recommend Tracey for her superior service. It's nice to know we aren't just an account payer.
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

Yes Finance Limited
2019-04-15T02:45:05+00:00

Kris

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.
Hi Tracey, you have been an amazing person to deal with. Always looked after me since the very start of my dealings with Yes Finance. Never ever had an issue with your service. Over the ph, your tone was kind, your customer service is excellent (and I would know being a Govt. Dept. Customer Service Manager previously) You are knowledgeable n very informative and at the same time transparent which also shows you know what you're talking about, you give correct information & you are able to have those tough conversations with me ... and to be honest.. its always done with the kindest tone (thank u! :D) Everytime I ring I usually ask for you, becos its not always the same experience then when I'm dealing with you. The tone always sets the flow of the convo.
I hope u all the best in everything you doing. Bless you!

Emelda

Yes Finance Limited
2022-01-14T00:57:52+00:00

Emelda

You have been an amazing person to deal with, knowledgeable n very informative and at the same time transparent.
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

Yes Finance Limited
2019-04-15T04:18:31+00:00

De Wet

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!
Awesome! Thanks again for being patient with me.
You made this process so easy for me and highly recommend your services!

Talia P

Yes Finance Limited
2019-10-16T21:21:49+00:00

Talia P

Awesome! Thanks again for being patient with me. You made this process so easy for me and highly recommend your services!
Janice is an awesome and understanding person and Yes Finance is lucky to have her as part of the team. When she has rung me in regards to my account she didn’t come across negative or made me feel like I have added stress to my life. She is always willing to help and come to a reasonable conclusion or an outcome that works for my situation and understands the things people go through in life. She is positive and am happy to have dealings with her in regards to my account 😊

Thanks, Jade M

Yes Finance Limited
2021-03-18T21:13:05+00:00

Thanks, Jade M

Janice is an awesome and understanding person and Yes Finance is lucky to have her as part of the team. When she has rung me in regards to my account she didn’t come across negative or made me feel like I have added stress to my life. She is always willing to help and come to a reasonable conclusion or an outcome that works for my situation and understands the things people go through in life. She is positive and am happy to have dealings with her in regards to my account 😊
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

Yes Finance Limited
2019-04-15T04:17:33+00:00

Nunia

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.
Would definitely recommend these guys yes finance very good customer services well mannered and supportive only a couple of days and loan is approved like #BANG if it wasnt for yes finance I wouldn't of had a better xmas thank you Yes Finance

Shan M

Yes Finance Limited
2019-05-09T22:31:30+00:00

Shan M

Would definitely recommend these guys yes finance very good customer services well mannered and supportive only a couple of days and loan is approved like #BANG if it wasnt for yes finance I wouldn't of had a better xmas thank you Yes Finance
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

Yes Finance Limited
2019-04-15T04:16:19+00:00

C Walsh - Hamilton

You advertised a great deal on the radio and promised great service and I received all of the above. Your team are true professionals!
Please disregard my previous review, just wanted to say thank you to the Manukau branch manager and team for calling me back, had a talk, appreciate your help & honesty. Had problem with an account before now its all sorted, I really appreciated it 🙂 .He explained everything and apologies to me now I am happy with the outcome 🙂 . Building connection with customers is important to any company out there get to know them and understand their situations. . .Thank you to Yes and team esp their manager for your understanding and support. . . . God bless

Lesu

Yes Finance Limited
2019-12-02T23:12:01+00:00

Lesu

Please disregard my previous review, just wanted to say thank you to the Manukau branch manager and team for calling me back, had a talk, appreciate your help & honesty. Had problem with an account before now its all sorted, I really appreciated it 🙂 .He explained everything and apologies to me now I am happy with the outcome 🙂 . Building connection with customers is important to any company out there get to know them and understand their situations. . .Thank you to Yes and team esp their manager for your understanding and support. . . . God bless
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