Low-Cost Lending That’s Fast Too!
- Rates from 9.95%*
- Same day payout*
- Loans approved in 1-2 hours*
*Subject to responsible lending checks and lending criteria.
East Bay Finance
Unsecured Loans
Fast, fair, and affordable lending
East Bay Finance takes the hassle out of getting a fast, low-interest unsecured loan. We say yes more often!
You can borrow up to $75,000 without having to put up any collateral. We can usually get approval for unsecured loans the same day you apply*.
*Subject to responsible lending criteria.
Approval in 1-2 hours*. Rates from 9.95%. 100% Online.
East Bay Finance
Fast Unsecured Personal Loans
At East Bay Finance, we want to make it easier for you to achieve your financial goals.
- Unsecured loans up to $75,000
- In most cases, loans are paid on the same day
- Easy, fast, 100% online application
- Fast local service with high approval rates
- Apply for rates from multiple lenders at once
- Interest rates from 9.95%*
*Subject to responsible lending checks and lending criteria.
Benefits of Unsecured Loans:
- No collateral required: If you don’t own any valuable assets like a home or a car, it’s no problem!
- Quick and convenient: Unsecured loans are much faster for us to approve – if you apply early in the day, you could even have your funds the same day!
- Flexible use of funds: Use your cash however you want, whether it’s for a car, a wedding or a holiday, you have the freedom to make your own decisions.
- Improves credit score: Taking out an unsecured loan and making payments on time can actually improve your credit score.
Unsecured Loans v. Secured Loans
The main difference between unsecured loans and secured loans is that secured loans require some collateral to be put up against the loan as security, whereas with unsecured loans no collateral is needed.
You can borrow more with a secured loan – up to $150,000 – but you need to own a valuable asset to offset the increased risk to the lender. Secured loans usually take longer to approve compared with unsecured loans because the asset being used as security needs to be valued, and there are more steps to the process.
Credit Score Inclusive
The fact that you missed a few payments in the past does not mean you should have a black mark against your name forever. Our company is a credit score inclusive company, which basically means we help people with bad credit scores.
How much can I borrow?
With an unsecured personal loan from East Bay Finance, you can borrow up to $75,000. Want to know how much you could get? Use our free online loan calculator to see what your weekly repayments would be.
Why Choose East Bay Finance
Faster low-cost lending
East Bay Finance aims to make borrowing an enjoyable experience by removing the hassles out of lending. As a loan broker, we can get you the best deal on the loan without you having to shop around. We do that for you! It’s important to avoid making multiple loan applications in a short period of time, as this can negatively impact your credit score.
How our process works
When you make a loan application with East Bay Finance, we put your application in front of multiple low-cost lenders. We then bring you some options, and you pick the one that’s best for you. It’s so easy!
We also provide bad credit loans, vehicle loans and debt consolidation loans.
*Subject to responsible lending criteria.
East Bay Finance
Unsecured Loans FAQ's
It will depend on your financial history as well as your circumstances whether we can give you a loan based on your credit history. We specialise in bad credit loans, and the best part is that they are also affordable. If you have bad credit and are wondering if you can get a personal loan, call our friendly team today for a free consultation.
As a responsible lender, East Bay Finance does a credit check when you apply for a loan. However, if you have a bad credit history, don’t let this scare you! We look at your whole situation when we go through our approval process, so if you have reliable income and earn enough to cover the cost of the loan, you may still qualify for lending even with poor credit history.
There’s no guarantee of approval for unsecured personal loans since lenders need to be responsible with their lending. When you apply for a loan through East Bay Finance, we work quickly to find low-cost loans that suit your needs. Taking a look at your credit and financial situation allows us to get you what you need without adding to your financial burdens. We can’t guarantee approval, but we’ll do everything we can to help.
There’s no limit to what you can do with an unsecured personal loan through East Bay Finance, so long as it’s legal! No matter what you’re looking for, whether it’s a holiday, a car, a house repair or a wedding, you have the freedom to use your funds anyway you want.
The quicker you apply during the day, the better, since our online application process is streamlined. We process applications in the order in which they are received. It pays to apply first thing if your day is busy, so you get in the queue first thing. The funds are deposited into your account as soon as your loan is approved. How quickly you have access to funds depends on who you bank with. It could be immediately, or the next day.
We offer flexible terms ranging from 6 months to 84 months (7 years). We adjust our loan terms depending on the client to make repayments more affordable for them.