Low-Cost Lending That’s Fast Too!

Why East Bay Finance

Bad Credit Loans NZ

East Bay Finance uses low cost lenders that provide second chance loans. Having a less than perfect score isn’t a dead-end.

As long as you can provide a reasonable explanation for your credit history, and can afford to meet your loan repayments, we may still be able to help you. Best of all:


Types of

Bad Credit Loans

You may need a second chance loan for all sorts of reasons:

East Bay Finance

Affordable Loans

Loans can only be approved if they are affordable, this will help you to meet your repayments on time and improve your credit score.

We can arrange loans at low interest rates, and over long loan terms if needed.

We hope to offer you an approval that is suitable to budget.

East Bay Finance

Is Security Required?

Depending on your personal situation we may require security, but we also provide unsecured loans to clients with a bad credit history.

Whether or not you need to provide security will depend on your financial situation, but we can provide options for most.

Yes, we provide

Same Day Loans

Same Day Loans are one of our specialities, and if you apply early enough we could get your loan to you today.

This depends on how many other loans we are processing at the time and if we have all the information we need from you.

Bad Credit Loans

How Easy Do You Make It?

If you’re in need of a cash loan the last thing you want to do is muck around with complicated loan documents, and scan and upload forms.

Our application form is fast to fill in and the entire process is handled online or over the phone.

We’ll provide you with a link to view the last three months of your bank statements, so that it’s easy too.

East Bay Finance

Poor Credit History?

Just because you have a poor credit history doesn’t mean you don’t have good low-cost lending options.

Don’t feel you need to take out a loan from a high-cost loan company.

Try us and see what we can do for you. We can provide solutions for most financial situations.