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  1. East Bay Finance do not source loans for a period of 61 days or less. The minimum loan period is 62 days. The maximum loan period is 60 months. We are a NZ registered Financial Service provider – FSP Number 10841 & also a member of Financial Services Complaints Ltd – our FSCL Number is 4228.
  2. You are protected by responsible lending laws. Because of these protections, the recommendations given to you about lending through East Bay Finance are not regulated financial advice. This means that duties and requirements imposed on people who give financial advice do not apply to these recommendations. This includes a duty to comply with a code of conduct and a requirement to be licensed.”.
  3. *Rates of 8.95% subject to lending criteria and eligibility. 1-2 hour approval and same day payout subject to the applicant meeting our lending criteria and supplying all the information we need to process their application and depends on the number of other applicants we are processing. Terms of 120 months only available on secured loans. Unsecured loans offer terms of up to 60 months.
  4. We partner with Provident Insurance to provide policies for Motor Vehicle Insurance, Credit Contract Indemnity, Guaranteed Asset Protection and Mechanical Breakdown Insurance