East Bay Finance


Here are some of the most common questions customers ask us. If you have any questions that are not covered here, please get in touch with us us by filling in our contact form or give us a call.

This will depend on if the loan is secured or unsecured. Typically unsecured loan amounts of up to $75,000* are available, and we can do more with a secured loan. This is by using a vehicle or property as collateral on the loan.


*Subject to responsible lending checks and lending criteria.

Your repayments will depend on your income and existing outgoings, the length of your loan and amount you borrow. Our Loan Calculators can give you an indication of what your repayments may be, but the actual amount will depend on your personal circumstances. 

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!

If you meet our lending criteria, you may be able to get a quick loan 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. To ensure there are no delays to you receiving your funds,  it's important you provide us with all the information we require at the start.

The minimum loan period is 6 months. The maximum loan period is 84 months.

Most of our lending is for unsecured loans. In some situations we require security, like if you have bad credit. Your Personal Loan Consultant will discuss loan details with you when you apply. 

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.

One. You can put your feet up while we do all the work. Simple.

As a responsible lender, we need to identify you and make sure you can afford the repayments. We need a photo ID such as a Passport or Drivers License. We also need confirmation of your income, which is usually obtained by sending you a secure link that gives us access to your statements. Your Consultant will go through this with you.

We treat your application confidentially and the only people who will see your application are East Bay Finace and any Finance Company that we send it to. All applications that do not proceed are securely destroyed.

A debt consolidation loan is a type of personal loan that can help you combine several debts into one loan, hopefully at a lower interest rate.

If you have lots of small debts and credit card debt, you could be paying more in fees and interest than if you had one larger loan spread over a longer period.

It's also a lot harder to keep track of lots of loans, so it's easier to miss repayments which impacts your credit score. You can also choose terms that work for you, so it's easier for you too.


We are always looking at ways to improve our service to our customers, if something has gone wrong, we want to know. Please send us an email at enquires@loansmart.co.nz, or call us on 0800 255 155 so we can discuss with you.


You can also write to us at:
PO Box 28231,
Auckland 1546


When we receive a complaint, we will:

  • Acknowledge your complaint within 1-2 working days.
  • Initiate our complaints process according to our Complaints Management Policy.
  • Gather and evaluate information about your complaint.
  • If your complaint cannot be resolved immediately, we will provide you with a copy of our Complaints Disclosure document.
  • Respond to you within 20 working days.


If we cannot agree on how to resolve the complaint, you can contact Financial Services Complaints Limited (FSCL). FSCL are an independent, not-for-profit, external dispute resolution scheme approved by the Minister of Consumer Affairs.


FSCL’s service does not cost you anything and they will help resolve the complaint. You can contact FSCL:

1. by calling 0800 347 257
2. by emailing complaints@fscl.org.nz
3. through FSCL’s website: www.fscl.org.nz
4. by writing to: FSCL, PO Box 5967 WELLINGTON 6011