What Yes Loans has to offer
What does Yesloans Car Loans have to offer?
Competitive car and boat insurance, car Loans, hire purchase, Chattel Mortgage, Novated lease and leasing for cars, trucks, vans, boats, office equipment, machinery, tractors, equipment, caravans, motorcycles, business furniture & fittings, and more.
Secured personal loan?
Minimum loan is $7,000.00.
Motor vehicles. Classic, prestige vehicles, trucks, caravans, and older trucks will be considered.
Private purchase, Auction, Dealer and Interstate purchases.
The Loans company uses the vehicle as security.
Yesloans Car Loans also provides a wide range of insurance products for motor vehicles, trucks and boats, and a specialised Loans service for people with bad credit, past or even current bankrupts, or just having difficulty getting a loan.
Unsecured personal loan?
Minimum loan is $5,000.00.
Suitable for holiday loans, debt consolidation, furniture, and for all general purpose use, even old cars & boats unsuitable for the secured Loans mentioned above with terms up to 7 years offered. The interest rates offered are either fixed at a competitive rate or a variable interest rate allowing you to take advantage of possible interest rate drops.
Personal or business Loans?
Business Loans (hire purchase, chattel mortgage or lease) is available to both company & individuals, providing the goods are to be used predominantly for business use, eg: more than 50% business usage.
Call Yesloans, we suggest you speak to your accountant or tax agent.
Business Loans is usually at lower interest rates, and there are many structures available to maximise your budget or tax benefits.
How long does it take to get approved?
Usually just a few hours, however complex or difficult applications can take a few days.
Can I get my Loans approved before purchasing?
Yes, we specialise in pre approvals.
Getting a pre approval before buying a vehicle is a good idea, this gives you the power to negotiate knowing that you already have the money.
What are my chances of approval?
Yesloans will consider your whole circumstances not just look at the bad things. We consider: do you own a home, how much is your current income, how long have you been employed at your current job, how long have you lived at your current address, do you have a credit rating, what is your net worth, are you a past or current bankrupt, do you have a guarantor, do you have a deposit or trade in.
Always remember that is in our interest to get you approved.
Are your interest rates competitive?
Yesloans always offer the most competitive interest rates in Australia. We often beat the banks and have deals approved when the banks are still trying to tell you when you can make an appointment.
The interest rate offered may vary depending on whether you are a high or low-risk borrower.
Do you help people with bad credit?
Yesloans will always do our best to provide you with the Loans even if you are a current bankrupt.
We help people that have defaults, part 9 or part 10 debt agreements, discharged or undischarged bankrupts.
When do I make my first payment?
The first repayment will be due 14 days (if fortnightly) or one month (if monthly) after settlement of a loan.
Business Loans applicants will have the first monthly repayment due a month after settlement.
Payments are deducted from your nominated bank account or paid by BPAY.
Extra payments of any amount can be made at any time by cheque, cash, direct deposit and BPAY where applicable .