Short-term loan calculator

How much would you like to borrow?

$

This field is required and the value should be a number.

Interest Rate This field is required and the value should be a number.

Loan interest rates depend on your credit score and risk profile.

Repayment Term

Day / Months / Years months years

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This short-term loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

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Apply for a loan at Yes Finance in 4 easy steps

Applying for a loan at Yes Finance is very simple and can be done in four easy steps! Before completing the pre-approval form, applicants must ensure they meet the minimum criteria.

Basic Requirements

At the most fundamental level, in order to apply for a loan, Yes Finance requires applicants to be aged 18 or over, be residents of New Zealand, and have an identity document. The secondary requirements include being employed full-time with a stable income, providing proof of address, and meeting the minimum credit history requirements.

After completing the main application, Yes Finance will run a credit check to assess the applicant's debt and repayment history, which will help calculate their client rating. They will also use income and expenses for this calculation. A very accurate loan calculator is available on their website, which can assist applicants in deciding how much to borrow.

Request a Pre-Approval

Once an applicant has decided how much they want to borrow, how long they want the loan for, and whether they will opt for a secured or unsecured personal loan, they can proceed to request a pre-approval. This pre-approval will allow them to search for a car or boat that falls within their budget and ensures they do not make a full application for nothing. It is valid for a period of 30 days. Applicants can request a pre-approval at any time and use any device to fill out the quick form.

Once they receive the pre-approval, applicants can begin completing the actual loan application, which, like the pre-approval form, should only take a few minutes, even though it is a bit more detailed. If they need any assistance or have questions, they can use one of the many contact forms available on the website or simply call Yes Finance.

Our 9-Minute Promise

While filling in the application form, applicants will be asked to provide their name, email, telephone, address, employment details, and so on. They will also be asked how much they want to borrow, their preferred loan term, and repayment frequency. Yes Finance will endeavor to process applications immediately upon receipt; however, this may take up to two hours, depending on how much information needs to be collected and how long it takes to provide it.

Once all information has been received, Yes Finance will work on the loan agreement, which will detail all the specifics of the quick cash loan and send this to the applicant for approval. After the applicant gives their seal of approval using the online signing technology, the 9-Minute Promise will come into effect! Yes Finance will transfer the funds to the applicant’s account within nine minutes—or they will make the first repayment on their behalf!