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 from 9.95%*.

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

For over 15 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.

*Subject to responsible lending checks and lending criteria.

Unsecured Loan Repayment Calculator

Want to know how much your weekly repayments will be? Try our quick and easy online loan repayment calculator. These repayments are for an Unsecured Loan and are indicative only. All loans are subject to full application, Lenders Conditions and confirmation from an East Bay Finance representative.


Repayment Term Weekly Total Payable
12 months$0$0
24 months$0$0
36 months$0$0
48 months$0$0
60 months$0$0
72 months$0$0
84 months$0$0
  • Calculated at an example rate of 12.95% – our Annual Interest Rates (AIR) range from 9.95% – 35.50% with loan terms of 6 Months to 84 months.
  • Fee’s apply including a Lender Establishment fee of up to $215 and a Loansmart Fee of up to $995
  • Approval is subject to Lending Criteria, affordability assessment and confirmation from a Loansmart representative.

Please read the Responsible Lending Guidelines for more details.

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 from 9.95%*.

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.

*Subject to responsible lending checks and lending criteria.

How much would you like to borrow?


Repayment Term Monthly Weekly
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

*Subject to responsible lending checks and lending criteria.

Fast, fair & friendly NZ loans

We Provide All Kinds of Loans

East Bay Finance takes the hassle out of applying for fast personal loans. A quick cash loan is easy to apply for and affordable too. Our professional team of experienced consultants 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

We can provide loan terms from 6 to 84 months.

Current interest rates start at 9.95% but may be as high as 35.50% depending on credit history, security offered and your overall credit profile. A typical $10,000 loan would be as follows:

  • Personal Loan Amount $10,000
  • Lender Establishment Fee $215
  • Introducer Fee $745
  • Payments over 60 months
  • Interest rate of 12.95%
  • Repayments from $57.33 per week
  • Total amount payable of $14,906.36 over the full loan term
  • Resulting in an annual Percentage Rate (APR) 17.12%

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