As the leaves fall and we move into cooler weather, Autumn is the perfect time to do a financial health check. Just like we get our homes ready for winter, now’s a great time to tidy up your finances—and that includes checking whether you’re getting the best deal on your personal loans.
Many people stick with the first offer they get, but that can mean missing out on much better rates and terms. At East Bay Finance, we help people all across New Zealand compare options and make smarter borrowing decisions—especially when it comes to finding low interest personal loans.
Let’s break it down simply and help you find out: Are you really getting the best rate?
Why a Financial Health Check Matters

Taking a few minutes to review your current loans could save you a lot in the long run. If you’re paying more interest than you need to, you’re throwing away money that could be going towards savings, travel, or just easing financial stress.
Loan rates can change over time, and what was a good deal two years ago might not be the best option now. That’s where personal loan comparisons come in.
What is a Personal Loan Comparison?
In simple terms, personal loan comparisons help you see what different lenders are offering, side by side. Instead of going to one bank and hoping for the best, working with a loan broker like East Bay Finance gives you access to multiple lenders in one go.
We compare a wide range of loans for you, based on your needs and credit profile. This means:
- You have a better chance of finding loans with low interest.
- You’re more likely to be approved, because we know which lenders are most likely to say yes.
- You get loan options tailored to your budget and lifestyle.
Why Refinance? A Real-Life Example

Take Dale and Jenny, for example. This Auckland couple was juggling multiple high-interest loans and credit cards, with monthly repayments totalling around $3,000. They were finding it hard to make ends meet and wanted to regain control of their finances. By working with East Bay Finance, we helped them consolidate their debts into a single loan at a much lower interest rate.
Their monthly repayments dropped to $1,800, saving them a massive $1,200 each month! This not only eased their financial stress but also gave them more disposable income to enjoy life.
What Kind of Loans Can I Get with East Bay Finance?

We specialise in both secured and unsecured loans. Here’s a quick look at what we offer:
- Secured loans from 9.95%
- Unsecured loans from 11.95%
- Loan terms from 6 months to 7 years
- Borrow up to $75,000 unsecured, or up to $150,000 secured
- Flexible loan structure to keep repayments affordable
- Fast approvals – in just 1–2 hours*, with same-day payouts* in many cases!
Whether you’re looking to consolidate debt, cover a big expense, or take control of your finances, we’re here to help make that happen quickly and with as little stress as possible.
How We Find You Better Loan Rates
As a loan broker—not a bank—we don’t just push one lender’s products. We work with a network of lenders across New Zealand. That means we can compare a number of loan options for you, quickly and easily.
Our focus is on finding low interest personal loans that suit your specific situation, not the other way around. And because we know what each lender looks for in an application, we can match you with the one most likely to approve you. More lenders means more choice, and more choice means more chances of approval and better rates.
How to Get Started

Doing a financial health check with East Bay Finance is easy and doesn’t take long. You can:
- Apply online in just a few minutes.
- Talk to a friendly team member who can guide you through your options.
- Get pre-approval within 1–2 hours* and potentially have funds in your account the same day*.
- There’s no pressure and no cost to compare your options—it just makes sense.
Let’s Find the Best Loan For You
Whether you’re already paying off a loan or thinking about taking one out soon, now’s the perfect time to check in and make sure you’re getting the best rate possible.
At East Bay Finance, we take the hassle out of finding the right loan. With access to multiple lenders, we offer a smarter, more flexible way to borrow—and it could save you a lot over time.
So this Autumn, don’t just rake the leaves—clean up your finances too.
Let’s find the loan that works for you.
*Subject to responsible lending checks and criteria