Rating based on 77 reviews

Yes Finance

  • Short-term loans up to $3,000
  • Low-interest starting from 14.9%
  • Repayment up to 48 months

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Author Yes Finance. Screenshot of Yes Finance website.
[Accessed March 3, 2023]

About Yes Finance

Tired of being declined credit by banks and credit unions who seem to love the word "no"? Are you looking for a lender that will consider your income and repayment ability over and above your credit history?

If you've answered yes to any of these questions than Yes Finance is the lender you've been looking for. With almost 2 decades in the business we've developed a long-standing reputation as New Zealand's most trusted lenders. We offer great rates, flexible repayment terms and small to large loan amounts - and we do it with professionalism and speed!

From $700 to $25,000 - in just minutes!

Yes Finance offers personal loans that range from $700 to $25,000 that can be used to buy a car, a boat, pay for a wedding or just catch up on bills that are starting to cause trouble. We begin the loan application by offering pre-approval whereby we ask you to provide some very basic details and then inform you whether we can help you within minutes. This ensures you complete our full application for nothing or have a credit check run without a guarantee that you'll be approved. 

Yes Finance Services

We offer personal loans which can also fall into the categories of car loans, boat loans, holiday loans, goods loans, debt consolidation loans and cash loans.

For unsecured loans, Yes Finance is willing to borrow up to $2,000 and, if you're looking for a bigger loan and, can provide security, we can offer up to $25,000. These personal loans can range anywhere from $700 to $25,000 depending on your needs, your income and on whether or not you can provide security. 

Joint and guarantor applications welcome

If you cannot provide the necessary security to secure a loan from Yes Finance we offer you the option of having a guarantor or joint applicant provide the security. This is also ideal for situations where your credit history is tainted and you either do not qualify for a loan or wish to secure a lower interest rate. We offer a short-term loan term that is highly flexible and ranges from 12 to 36 months but are willing to be flexible and offer longer or shorter terms where required.

Yes Finance – Short-term loan

  • Loan Type Short-term loans
  • Interest Rate 14.929.9% p/a
  • Loan Amount up to $3,000
  • Repayment 12 months to 48 months

Benefits of Yes Finance

  • Affordable short-term loans
  • Low interest rates
  • Quick online loan applications

Short-term loan calculator

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

Apply for a loan at Yes Finance in 4 easy steps

Applying for a loan online at Yes Finance is very simple and can be done in 4 easy steps! Before completing our pre-approval form you must ensure that you meet our minimum criteria.

Our basic requirements

On the most fundamental level, in order to be able to apply for a loan, we require that you be aged 18 or over, be a resident of NZ and have an identity document. Our secondary requirements are; that you are employed on a full time basis and are earning a stable income, that you can provide proof of address and meet our minimum credit history requirements.

After you've completed your main application we will run a credit check to see which will tell us about your debt and repayment history and help us calculate your client rating. We will also use your income and expenses to calculate this. We have a very accurate loan calculator available on our website as well - please use this to help you in deciding how much to borrow.

Request a pre-approval

Once you've decided how much you want to lend, how long you want to lend it for and whether you will be opting for a secured or unsecured personal loan, you can then proceed to request a pre-approval. This pre-approval will allow you to search for a car or boat that will fall within your budget as well as ensure you don’t make a full application for nothing. It is valid for a period of 30 days. You can request a pre-approval at any time and use any device to fill out the quick form.

Once you've received the pre-approval you can then begin completing the actual loan application which, like the pre-approval form, should only take you a few minutes even though it is a little more detailed. If you need any assistance or, have a question for us, you can use any one of the many contact forms we have available on our website or - you can simply call us.

Our 9 minute promise

While filling in the application form we will ask you to provide you name, email, telephone, address, employment details and so on. We will also ask you how much you want to borrow, your preferred loan term and repayment frequency. We will endeavor to process your application immediately upon receipt however this may take up to 2 hours, depending on how much information we need to collect from you and how long it takes you to provide it.

Once we've received all of your information and we will work on the loan agreement which will detail all the specifics of your quick cash loan and, send this to you for approval. Once you’ve given your seal of approval by using our online signing technology, our 9 minute promise will come into effect! We will transfer the funds to your account within 9 minutes - or, we'll make your first repayment for you! 

Customer Reviews & Testimonials

I’m a preschool teacher and sometimes need to buy classroom necessities out of my own pocket and this month rocked my budget a little. Impressed with the professionalism displayed and how quickly...

Violet S.
— Wellington —

Conducting business online is the future of the world, therefore I am impressed with the current setup the company his, including their friendly staff and speedy turnaround times. Overall, a roun...

Roger K.
— Nelson —

Yes Finance Contact

Physical Address

  • 6F Sharkey Street Manukau City Auckland Region 2016 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