Debt Consolidation Loans

Consolidation of multiple debts into one repayment
can often reduce your payments and provide
the convenience of one loan repayment.
OR GIVE US A CALL 08 9472 3000
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How to apply
1Complete the application in minutes.
2You should hear from one of our consultants shortly afterwards who will run through additional information and documentation that you will need.
3Once your application is complete and subject to credit criteria, we will strive to get the most competitive finance deal for you.
4Based on lender assessment, approval can usually be provided within 1 business day!

“I cannot recommend Goran at Yes Loans highly enough. He is professional, friendly and very helpful. He explains everything and answers all questions. I enjoyed the fast and easy process after having some weeks of not so good experience with others. Goran is a credit to himself and his organisation, I am very happy to recommend to anyone. Thank you again.”


“Robert helped me with everything and got me the loan I wanted. he was amazing to work with and I cant thank him enough, even with my previous financial struggles he still came through. would happily recommend him every day of the week”


“Recently went through yes loans for a car loan. Goran Babac was our contact and i can’t speak highly enough of the way Goran conducted himself. Incredibly easy to work with, everything dealt with once no lost emails or paper work. Done what he said and within the time frame he set. The complete professional. Thanks again Goran”


“This process was fast, without stress and so positive. Goran Babac was great and I would recommend him and Yes Loans without hesitation for anyone who needs finance. Thank you very much”




“Goran was an absolute legend and went above and beyond to help me get the car of my dreams. Cheers mate”

Frequently Asked Questions
How much can I borrow?

It all depends on your income, the reason for the loan, expenses, and the amount you can comfortably repay. The maximum unsecured personal loan is $30,000 and the minimum is $4,000.

Our business loans start from $5000.

How old must I be to apply for a loan?

You must be at least 18 years old to apply for a loan from Yes Loans.

Can I get pre-approval on a loan application?

Yes, if you receive pre-approval on your loan it is valid for 30 days.

Are the loans fixed or variable interest rate loan?

Our interest rate is fixed for the term of your loan, this means you will not see any interest rate rises.

Does Yes Loans have access to unsecured loans?

Yes, at Yes Loans we have a number of financiers that will lend on an unsecured basis.

Can I make extra payments or repay my loan early?

In most cases, there are no extra charges involved in making additional repayments. However, repaying your loan early may result in the incurring of additional fees, we recommend you read your credit contract to be sure of your requirements.

I’ve been declined elsewhere, should I try applying with you?

Yes! We strive to say yes more often. Our team is specially trained and on hand to assist you in getting access to the funds you need. Get in touch with us today and find out how we can help you.

What is a credit rating?

Banks and other financiers will use a credit score to help determine whether they will lend you money. Your credit score is partly determined by your stability (how long you have been at your address and employment). Defaults, court writs and summons also have a negative impact on your rating. The number of enquiries you make will also impact your credit score. The more enquiries over 12 month period can lower your score.

Do I need to provide security or a guarantor?

Security and guarantors may be required for some loans, in the event that you default on the loan, the goods secured can be sold (secured loan) or the guarantor asked to pay it off (guarantor loan). For guarantor loans, we recommend the guarantor obtains prior independent legal advice to make sure they are aware of their rights and obligations.

Can I obtain a loan for vehicles for business or commercial use?

Yes! You can apply for a vehicle loan if it is for business or commercial use. You can even apply for a low doc business loan.

Can Yes Loans finance private sale vehicles?

Yes, and as part of our service to you, we will check to see if the car has been written off, stolen, or has money owing on it. All this at no charge to you.

Can yes loans help me get finance or a car loan if I have had credit problems in the past?

Yes, subject to meeting lending criteria. At Yes Loans, we are experienced at helping people with previous bad credit.

Does yes loans provide loans to self-employed or contractors?

Yes, we have low doc loans available to self-employed and contractors that have an ABN number.

What is a commercial loan?

A commercial loan is an arrangement between your business and a financial institution that is used to fund goods, plant, equipment or vehicles used for commercial purposes. We regularly provide finance solutions for:

  • General equipment
  • Company cars or commercial vehicles
  • Cash flow
  • Shop fittings or new technology
  • Loan refinancing
  • Debt repayment
  • Trucks
Do I have to insure my car?

Yes. It is a mandatory requirement to keep your vehicle comprehensively insured for the full period of the finance agreement. When you finance your car with Yes Loans, we’ll take the time to offer you competitive rates. What’s more, we ensure that your cover is comprehensive. Alternatively, you can shop around for car insurance from your insurance company.

What kind of insurance do you offer?

Yes Loans offers insurance for sickness and accidents, your car, gap or shortfall insurance, warranties and loan protection. Our team is always on hand to explain our insurance in detail. Get in touch with them today for more.

What is an ‘excess’?

An excess is an agreed amount of money that you are liable to pay in the event of a car insurance claim being settled.

Apply online for fast pre approval