How much would you like to borrow?
Repayment Term:
36 months
60 months

Repayment amounts are based on a 15.95% interest rate and are indicative only. They exclude any brokerage, establishment, administration, waiver and insurance fees. These terms may not be available for your loan type. All loan quotes are subject to full application details and lenders conditions at the time of application.

Please read the Responsible Lending Guidelines for more details

East Bay Finance

We're small enough to care and big enough to count.

  • Our Exceptional Service sets us apart.
  • You’ll be dealing with real people.
  • We take the time to understand your needs.
  • Bad credit history is not a dead end for us.
  • Company representatives nationwide.
  • Our loan application process is quick and easy.
  • Transparent terms and conditions
  • Competitive interest rates

How to get your loan.

Transparent and fair costs, with no hidden fees
Holiday Loans
Holiday Loans

Take your dream holiday and create memories that last a lifetime.

Home Improvements
Home Improvements

Add value to your home while adding comfort to your life – we know how.

Vehicle & Boat Finance
Vehicle & Boat Finance

We work together to see what is affordable in your circumstances – Car Loan is easy.

Personal Loans
Personal Loans

We specialise in secured and unsecured loans.

Second Mortgages
Second Mortgages

Add value to your home while adding comfort to your life – we know how.

Debt Consolidation
Debt Consolidation

Merge multiple debts into one lower-interest loan – making it easier for you to manage.

This is what our valued customers have to say about us.

You’re in good company.
T Comber, Palmerston North

“The East Bay Finance loan doesn’t overstretch me and there is some flexibility on repayments. Now I’m cruising around in my new car.”

T Comber, Palmerston North, LA
E Fisher, Hawke’s Bay

“We got a great deal to cover all the bills. I also wiped the credit card clean by consolidating all our debt under one simple repayment scheme.”

E Fisher, Hawke’s Bay, SF
J Harman, New Plymouth

“I was more than satisfied with the repayment rate, and the trip was well worth it, which all made for a wonderful family experience.”

J Harman, New Plymouth, NY

Ready to get started?

Our professional team of finance experts are highly trained and will provide the refinancing solution you need. For any queries, the customer care team can be reached by email or phone during normal working hours.


Cost of a Loan

We do not offer Short Term loans, all 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 15.95% 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
  • Interest rate from 15.95% including monthly
  • Admin fee of $15 per month
  • Repayments from $900.00 per month including (optional)payment waiver cover – subject to terms and conditions
  • Annual Percentage Rate 20.7%

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