Low Rate Personal Loans - Fast , Reliable and Easy
A pain-free path to unsecured personal loans
Experience has taught us what many personal loan providers have yet to learn – that keeping you in the loop and keeping the process simple makes for a far better experience. Personal loan applications with Yes Loans are fast and pain-free.
We take special care to listen to your personal finance needs, allowing us to process your personal loan applications hassle-free and efficiently. Each repayment you make goes towards repaying both the interest and the principal loan. We also have flexible repayments for up to seven years subject to meeting lenders criteria.
We understand that the ups of personal finance go hand in hand with occasional downs too. Yes Loans’ decisions are not entirely based on past experiences with banks or other personal loan companies. However, our focus will always be on the best way to say Yes with a sound solution to your financial needs. We not only say Yes more often than other personal loan providers but we say Yes for all the right reasons.
We say YES more often!
Our unsecured personal loans cater for a range of non-business purposes such as:
• Home improvements
• Travel and holidays
• Cosmetic surgery
• Consolidating existing debt
• Any other responsible reason
Why say Yes to Yes Loans’ personal loans?
• Flexible repayment terms of up to seven years
• Dedicated customer service to make you the priority
• Fast, efficient and transparent personal loan application process
• Low-rate personal loans to approved applicants
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.
Can I make extra payments or repay my loan early?
In most cases there are no extra charges involved in making additional repayments or repaying your loan early, but we do recommend you read your credit contract to be sure. Depending on the agreement with the lender, you could make extra repayments.
Do I need to provide security or a guarantor?
Security and guarantors may be required for some loans, so 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.
Personal Loan Calculator
Try out our online loan calculator to gain access to quick and easy estimates of the repayments for your personal loan application. As soon as you've chosen a loan amount, one of our experienced finance consultants will start working towards securing the right finance option for you.
Time is of the essence and we don’t believe in making you wait for your ideal life.
Call 08 9472 3000 for more information on how to secure your low rate personal loan today.
We are situated at 263 Albany Highway Victoria Park
Western Australia WA 6100
Contact phone number: 089 472 3000
Loan terms range from 12 months to a maximum of 7 years. Based on lenders assessment.
We do not charge any fees unless your loan is approved.
If your personal loan is approved we may charge you a fee up to a maximum of $900.00 plus GST. This will be included in your loan amount.
Interest rates rate range from 9.9% to 29.9% per annum (p.a.). This depends on the lender providing the loan and your personal lending profile.
Example of a typical unsecured consumer fixed rate loan
$20,000 (includes a $250.00 establishment fee and a $990.00 origination fee) loan at an interest rate of 10.99% p.a. (12.21% p.a. comparison rate*) over 5 years.
Repayments are $438.00 per month over 60 months ($101.07 per week), this includes $13.00 per month loan administration fee.
Total repayment over 5 years: 60 x $438 = $26,280.
The interest rate is indicative only and may vary according to the lenders assessment.
*The comparison rate of 12.21% p.a. is based on an unsecured consumer fixed rate loan of $30,000 over a term of 5 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
The National Consumer Credit protection Act 2009 (NCCPA) requires that all lenders that publish interest rates for a product also publish the comparison rate. The comparison rate aims to inform the consumer of the true cost of a loan and is designed to make it easier to compare the different credit products available in the market. A comparison rate does not include all fees and costs, eg Government fees and charges and will not include other factors that may make the loan more attractive, eg flexible loan arrangements.
Short Term or Pay Day Loans
We do not offer “Pay day” or short term personal loans.
The use of this type of loan product can damage your credit file and reduce your chances of getting an approval for any lending.