Yes Finance

Yes Finance - Affordable loan solutions

Yes finance was developed for everyday people. Our company was established in 1997 and is proudly 100% New Zealand owned and operated. We specialize in the retail sector and provide financial solutions to retail stores and their clients to purchase goods.

We provide customer-focused solutions and unlike banks, we listen to your needs and customize our offers to suit your circumstances.

We pride ourselves in being a solution provider our wide range of products ranges from personal finance, motor vehicle financing, business loans and bad credit loans.

Our team puts your needs first

Each of the members of our team was recruited because of their expertise and knowledge. Our team is committed to listening to your problem and coming up with a quick loan solution to meet your requirements.

No matter your credit record or financial problems, we will find you the solution that you have been searching for.

Fast, simple loan solutions

There is no need to come into the branch and speak to a consultant's face to face. Instead, you can apply for a loan via our website by completing the online loan application form. This process will only take a few minutes.

After a few minutes you will be given an outcome, if we are able to assist you with a loan we will contact you to provide more details. If you prefer to talk to a consultant, you are welcome to give us a call and we will help you complete the loan application form.

Yes Finance Services

Yes Finance says yes more often, we offer personal loans from $750 to $25,000. The amount depends on the value of the collateral used to secure your loan and the terms of the loan agreement.

Most of our loan products require a form of security against the loan, this could be a fully paid for house, caravan, car or boat. We offer short-term loans to the value of $2,000 as an alternative financial solution.

The requirements to apply

• You must be at least 18 years old
• You must be a New Zealand citizen
• You will need to supply a form of identification such as your driver’s license or passport

How we evaluate your loan application

To determine if a loan would be in your best interest, we look at the following factors when deciding if we should approve your loan application.

• Security: The type of security that you are using as collateral. If you don’t have sufficient security, we will allow you to apply with a co-borrower or guarantor.
• Stability: You will need to prove that you have a stable income and prove your ability to afford the bad credit loan repayments.
• Affordability: We will assess your other financial obligations and see if a loan will be in your best interest or if it will push you further into debt.
• Credit history: Your credit report will be analyzed; if you have a bad credit record or a poor credit score then you will be required to re-apply with guarantor that has a good credit score and no defaults listed on their credit report.