We say yes more often
Low-Cost Lending That’s Fast Too!
We say yes more often
Low-Cost Lending That’s Fast Too!
We say yes more often
Low-Cost Lending That’s Fast Too!
We say yes more often
Low-Cost Lending That’s Fast Too!
We say yes more often
Low-Cost Lending That’s Fast Too!
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Fast & Transparent Process

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Simple Online Application

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Quick Loan Payout

Why East Bay Finance

We say 'yes' more often

At East Bay Finance we have one goal: to make borrowing cash fast, affordable and fair. We are a low cost lender with interest rates between 8.95% and 39.95%.

We provide all types of online loans for all types of people. 

For over 20 years we’ve helped tens of thousands of Kiwi’s access money when they need it, and we’ve become very good at it. Whatever your situation, chances are we can find a solution that works for you.

You don’t even need a perfect credit score. With more options than other loan companies, we really do say ‘yes’ more often.

Best of all we make it easy. Simply answer a few simple questions and you could have an answer in 1 – 2 hours. Once approved, funds could be in your account that day or the next morning.

Choose an easy, enjoyable lending experience from a low cost lender that cares.

How much would you like to borrow?


Repayment TermMonthlyWeekly
12 months$0$0
24 months$0$0
36 months$0$0
48 months$0$0
60 months$0$0

Please read the Responsible Lending Guidelines for more details.

A quick & transparent process

Simple Online loan Application

1

Click Apply Now

Fill out our simple form or call us for a quicker approval.

2

Application Processing

We will then call you to verify your information and complete the loan application.

3

Receive Your Money

Have the money in your account in no time.

East Bay Finance

Lending that’s easy, enjoyable and affordable

Fast, fair & friendly NZ loans

We Provide All Kinds of Loans

East Bay Finance takes the hassle out of applying for fast personal loans. Our quick cash loans are easy to apply for and affordable too. Our professional team of lenders work hard to provide great solutions at rates that are fair.

You're in good company

What Our Valued Customers Say About Us

East Bay Finance

Cost of an NZ Loan

East Bay Finance Loans are for terms of six to sixty months with a fixed annual rate of interest.

Our current interest rates start at 8.95% but may be as high as 39.95% depending on credit history, security offered and your overall credit profile. A typical $20,000.00 loan through East Bay Finance would be as follows:

  • Personal Loan Amount $20,000
  • Establishment Fee $440.00
  • Payments over 36 months
  • Admin fee of $15 per month
  • Repayments from $670 per month including (optional) payment waiver cover – subject to terms and conditions
  • Annual Percentage Rate (APR) 12.50%

This is only an example – please refer to our Fees for full disclosure.