Rating based on 45 reviews

Yes Finance


  • Bad credit loans up to $50,000
  • Low-interest starting from 11.95%
  • Repayment up to 48 months

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Author Yes Finance. Screenshot of Yes Finance website. [Accessed September 6, 2021]

About Yes Finance

Yes Finance in New Zealand has been servicing clients in the country since 1997.

With a reputable name in the industry, we carry out our legacy in helping Kiwis reach their financial goals by reducing interest rates, providing debt consolidation and offering loan products that benefit clients from beginning to end. Our name speaks highly for our service delivery. We only say 'YES' to our clients.

An unbeatable services

We have been able to provide unbeatable services above the rest without hassles. This is done by ensuring we stay on top of new innovative bad credit loans at lower rates for our clients at all times.

Keeping our services within the needs of our clients is what puts us on top. We provide personal finance options, which will cover any financial need - from car loans, home loans and consolidation of debts, we offer it all.

Yes Finance Services

Yes! We have the loan product you need! See our affordable bad credit loan options for unsecured and secured choices.

Our personal loans at Yes Finance in New Zealand range between $700 and $25,000 for secured and $2,000 for unsecured loans. You may have had a tough couple of months with a lot of bills and debt, and need a little extra cash to catch up. Why not use your loan to consolidate all your other loans into one. Pay a smaller instalment every month and save on your interest rates.

Our loans are easy to obtain

You can apply for any of our loans online – whether it is a bad credit loan or one of our personal loans. We also offer car loans, allowing you to finally get rid of that old vehicle which keeps costing you in repairs. Whatever you need, YES we will offer it to you. Get pre-approved and get the best cash prices on a new vehicle. You can also refinance your old car and upgrade to a newer model.

Yes Finance Bad credit loan

  • Loan Type Bad credit loans
  • Interest Rate from 11.95%
  • Loan Amount up to $50,000
  • Repayment 12 months to 48 months

Benefits of Yes Finance

  • Low-interest rates
  • Quick and easy online applications
  • Unsecured bad credit loans

Bad credit won’t stand in your way when you apply for a loan with Yes Finance

Yes, you can qualify for a loan at Yes Finance loans in New Zealand.

If you meet the age group of 18 years and up and hold a New Zealand resident ID book, you just need to complete their simple online application form and get your cash within 24 hours.

Get a loan regardless of your credit history

Our loans are affordable and we work in line with your budget to offer you repayment terms you can easily pay off. Your credit record will be checked upon your loan application. However, we are quite lenient, so no problems should occur for the majority of our clients.

We offer pre-approved bad credit loans, which are valid for 30 days. These loans allow our clients to shop around and find the best options for their purchases, which fall within the budget of their pre-approved loan.

Customer Reviews & Testimonials

I am a converted Yes man, I love the service, the product, and the simple application.

Bobbie W
— Christchurch —

I was able to fully complete the loan application online, saves time and is very convenient.

Harry S
— Queenstown —

Affordable loan options, whether you are able to take out a secured or unsecured loan the rates and fees remain affordable.

Brandon R
— Tauranga —

Yes Finance Contact

Physical Address

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