Low-Cost Lending That’s Fast Too!
- Get approved in 1-2 hours*
- Rates between 9.95% - 35.50%*
- We say yes more often!
*Subject to responsible lending checks and lending criteria.
Why East Bay Finance
About Us
At East Bay Finance we have one goal: to make borrowing cash fast, affordable and fair. We specialise in quick loans and online loans.
We use low cost lenders to arrange funds for our customers, offering rates between 9.95% and 35.50%*.
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.
*Subject to responsible lending checks and lending criteria.
When choosing a loan company it's crucial to
Know Who You’re Dealing With
Taking the time to identify a reliable finance company is the wisest decision you can make.
A prospective borrower should conduct a background check of the company to ascertain its credibility, reputation, the area of specialisation, types and nature of loans offered, experience as well as the quality of service.
By consistently providing quality service in the industry for over 15 years, East Bay Finance has secured its position as both a dependable financial partner to our clients, and a reputable company.
East Bay Finance
Your Lending Partner For Life
Most people take out a series of loans across their lifetime, whether it be a personal loan, car loan, debt consolidation, small business loan, or something else – we would like to be your loan company of choice. We go out of our way to provide you with an enjoyable lending experience.
Our team of Loan Consultants are experienced, move fast and are highly supportive. We strive to make the process as enjoyable and straightforward as possible.
East Bay Finance
An Enjoyable Lending Experience
In some situations we can arrange cheaper interest rates than a bank, but this depends on the amount borrowed, your personal circumstances and credit history. It costs nothing to get a quote, so give us a go and see what we can do for you!
Unlike a bank, you don’t need a perfect credit record to get an approved. Even if you have a bad credit score, we may still be able to help you; although in some situations you may be required to provide security.
We give our customers access to finance with less stringent lending criteria that traditional banks, and so many people who have had lending declined through a bank are able to access funds through us. Of course this depends on your personal circumstances. Your Loan Consultant will discuss your options with you, so you know what to expect.
If you meet our lending criteria, you may be able to get quick loans online the same day you apply. This depends on how many other applicants we’re processing. If your loan is urgent, be sure to let us know when you apply and we’ll prioritise your application.
East Bay Finance can arrange loans of up to $75,000* unsecured and more with a secured loan. How much you’re approved for and whether or not you require security depends on your financial situation.
*Subject to responsible lending checks and lending criteria.
The minimum loan period is 6 months. The maximum loan period is 84 months.
As long as you have regular income paid into your account and can afford the loan repayments, you should be able to get a personal loan.
Our application form is quick and easy to fill in and the entire process is handled online or over the phone.
Yes, you may still be able to get approved for a personal loan if you have bad credit. Unlike other lenders, bad credit loans aren’t a ‘no-go’ for us.
Many of our clients have defaulted on payments in the past, but can explain why and have made real efforts to get back on track.
When you apply for a personal loan with East Bay Finance we take the time to listen to your story, and treat you like an individual.
Most of our lending is for unsecured loans. In some situations we require collateral, like if you have bad credit. Your Loan Consultant will discuss loan details with you when you apply.
Apply for an unsecured loan of up to $75,000* or more with a secured loan. Get an estimate of what loan amounts you could borrow by trying our online loan calculator.
You can also see what your loan repayments could be. To find out what you could borrow personally, fill in our application form and one of our Loan Consultants will be in touch shortly.
*Subject to responsible lending checks and lending criteria.
Are you
Ready To Get Started?
Our professional Loan Consultants are highly trained and will provide the loan solution you need.
For any queries, the customer care team can be reached by email or phone during normal working hours.
Fast approval loans are our speciality so apply for an online loan now!