Rating based on 25 reviews

Yes Finance

  • Car loans up to $30,000
  • Low-interest starting from 9.9%
  • Repayment up to 48 months

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Yes Finance homepage
Author Yes Finance. Screenshot of Yes Finance website.
[Accessed July 3, 2019]

Yes Finance - a quick and convenient loan service

There is no better answer than Yes, especially when you are searching for a loan. Yes Finance says yes more often and get you the loan that you need when you need it.

Yes Finance was first founded in 1997 and is a proudly New Zealand company that provides jobs for many of our citizens. Our first order of business was providing business loans to the retail sector and their customers in order to purchase goods.

How it all started

As our business grew, we found out that many New Zealand citizens found it difficult to obtain loans through banks or other traditional lending platforms. Our customers needed an alternative solution that puts their needs first and that didn’t burn a hole through their wallets. They wanted a solution that was designed specifically for them and catered to their individual needs.

That is how Yes Finance was born, our company fulfils all these needs and as we learn more about our clients, we are able to adapt our products further to stay relevant in the market.

We are your solution provider

We say yes more often and we find a reason to grant a range of vehicle loans. No matter what you are looking for we can provide the solution that you need. Apply online for quick, convenient service or if you prefer to talk to a consultant in person then visit us at one of our branches for the personal touch.

Yes Finance Services

We have many loan solutions available, including personal loans that can be used to purchase vehicles, boats, caravans, to pay for your special vacation or help make payments on wedding items.

If you are having financial problems you can consolidate your debt into one easy to manage loan.

If you would prefer not to use a personal loan to pay for your vehicle we have specialized vehicle financing options through various dealers in our network to help you purchase a car, truck, caravan or boat.

Yes Finance business loans

If you own a business and need some extra cash to purchase a plant or other assets we can assist you with customized solutions.

Yes Finance vendor finance

Our vendor finance loans provide financing to retail stores to allow their customers to purchase goods in the store.

To apply for any of our business, personal or car loans you need to be at least 18 years old and a citizen of New Zealand.

Apply for a pre-approved loan

Applying for a loan online only takes a few minutes and our specialized program will use the information that you give us to determine if you qualify for a loan or not. We will complete our assessment and give you an outcome within a few minutes.

Yes Finance – Car loan

  • Loan Type Car loans
  • Interest Rate 9.922.9% p/a
  • Loan Amount up to $30,000
  • Repayment 12 months to 48 months

Benefits of Yes Finance

  • Pre-approved car loans
  • Online application
  • Competitive rates

Car loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This loan calculator is for illustration purposes only.
The use of this quick loans calculator is subject to our terms of use.

Yes Finance - Apply for a loan online

If we are able to assist you, you will be required to complete a more detailed application.

No one likes to complete paperwork or provide personal information that can at times be embarrassing, but the more information that you provide, the more efficiently we will be able to assist you.

Approval in 24 hours

Once you have completed your more detailed loan application, we will let you know exactly how much you qualify for in as little as 24 hours. Once you have signed the loan agreement, then the money will be paid into your account.

There are so many scams and fraudulent activities going on that often people are scared to apply for vehicle loans via websites or disclose any personal information that could be intercepted or stolen. Most customers are nervous to send bank statements via email or to answer personal questions over the telephone. We understand that you have the right to be concerned and we do everything in our power to protect your information and make the process as safe as possible.

Your credit report

Before you apply for a car loan you should request a copy of your credit report. There are many different websites that will give you this information free of charge. Look closely at your credit report and identify any issues or false information.

When you apply for any of our online loans we will take your credit report into account. If you have a bad credit record, we will let you explain the reason and judge out an application to your individual circumstances. If you have a judgment against your named or you constantly make bad financial choices we will not be able to assist you.

Pre-approved vehicle financing

It is important to know how much money you qualify for so that you can find a vehicle in your price range. The easiest way to do this to apply for a pre-approved loan. The amount that you qualify for will be determined by your individual risk profile and takes many different aspects into account.

Refinancing your existing car loan is easy

If you already have a car loan we can assist you by helping you refinance your existing car loan. Our experts will determine if you are paying too much and how much you can comfortably pay without accumulating debt. Our interest rates are lower than most lenders.

Customer Reviews & Testimonials

They have helped me out so much although my credit score was not all that good they were still willing to give me the car loan they have taken the time to trust me and that is why I recommend the...

Emily R
— Timaru —

If you are looking for a company that will care for you then look no further they will have your back the whole way through from application to car.

Sarah B
— Nelson —

They have helped me to pay off the balloon payment for my car that I was completely unaware off and thanks to them, I can keep my car.

Jessica B
— Wellington —

Yes Finance Contact

Physical Address

  • 6 Sharkey Street, Manukau City Centre Auckland 2104 New Zealand
  • Get Directions

Postal Address

  • PO Box 23008, Hunters Corner, Auckland, 2155, New Zealand

Opening Hours

  • Monday 08:30 – 17:00
  • Tuesday 08:30 – 17:00
  • Wednesday 08:30 – 17:00
  • Thursday 08:30 – 17:00
  • Friday 08:30 – 17:00
  • Saturday 10:00 – 13:00
  • Sunday – Closed