Low-Cost Lending That’s Fast Too!

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 are a low cost lender, offering fees between 9.95% and 35.50%.

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.


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 20 years, East Bay Finance has secured its position as both a dependable financial partner to our clients, and a reputable loan company.

East Bay Finance

Your Lending Partner For Life

Most people take out a series of loans across their lifetime, be it a top up of a personal loan, car loan, mortgage or second mortgage. We would like to be your loan company of choice for life, and so we go out of our way to provide you with an enjoyable lending experience.

Our team of Personal Loan Consultants are experienced, move fast and are highly supportive. We strive to make the process as enjoyable and straightforward as possible.

If East Bay Finance is unable to provide finance directly we can broker your needs to other financial institutes.

Your Financial Consultant will inform you if your loan is with East Bay Finance or if the loan is being brokered to another financial institute. If your loan is brokered to another financial institute your Financial Consultant will confirm fees, interest rates and repayment amounts prior to your loan being drawn down. Rates and fees vary from company to company.

East Bay Finance

An Enjoyable Lending Experience

In some situations we can offer 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 a loan with us. 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.


Our lending criteria isn't as stringent as 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 Personal 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 provides loans of up to $50,000 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.

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 Personal Loan Consultant will discuss loan details with you when you apply. 

Apply for an unsecured loan of up to $50,000 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 Personal Loan consultants will be in touch shortly.

If we are unable to secure approval for your loan ourselves, we have access to third party trusted lenders who may be able to assist. Your Finance Consultant will advise you if your loan is with East Bay Finance or if it is being brokered to another Lender.

If your loan is brokered to another Lender, we will advise you of the fees, interest rate and payments prior to your loan being drawn down. These rates and fees vary from Company to Company but currently start at 9.95%*.

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!