Personal Loans - WE strive to say YES!
Yes Finance provides all sorts of finance in Auckland, Manukau, Auckland City suburbs and Nationally throughout New Zealand both secured and unsecured personal loans for just about anything. Secured personal loans from $1000 to $25,000. Unsecured personal loans to $2,000. We understand that everyone and every situation is different.
Whether you require a personal loan to pay an unexpected bill, a holiday loan to travel overseas or within New Zealand, a loan to repair the car, a wedding loan to pay for the big day, or the engagement ring, or funds for the home improvement project you been waiting to do, whatever the reason… Yes Finance is here for you!
We will listen to you
We will work with you
We will help you decide how much you can borrow, what your repayments will be and strive to design a personal loan that fits your circumstances and budget.
Easy finance is our mantra; not quite instant finance but we strive to make decisions as quickly as possible to enable you to get your finances and debts sorted.
Online loan application
We have designed our online application to collect the smallest possible amount of initial information to enable us to do a quick assessment to see if we can help you.
We will ask you to complete a more detailed application if we can assist you.
Nobody likes filling in forms but the more effort and detail you put into completing the application the faster we can get back to you with an answer. If you would rather we called you to complete the balance of the loan application we are happy to do that.
Interest Rates
Yes Finance interest rates vary from 14.9% p.a. to 24.9% p.a. for secured loans and from 24.9% p.a. for unsecured loans, 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
Secured Personal Loan Calculators
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.
Click to select
Estimated loan value
$0
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. No Insurances are included in this calculation.
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
Sample secured personal loan
If you borrow $3,000 over a term of 24 months at an interest rate of 14.95% p.a. you will end up repaying $3775.30, inclusive of all fees and interest (not including insurance).