Low-Cost Lending That’s Fast Too!
- Rates from 9.95%*
- Same day payout*
- Loans approved in 1-2 hours*
*Subject to responsible lending checks and lending criteria.
Why East Bay Finance
Personal Loans Online
Apply for a personal loan via East Bay Finance and money could be in your account today or the next morning.
Our team moves fast to find affordable loans that work for each client. With lots of options, we can tailor a solution for you.
Better still, we make it easy. Get started by answering a few simple questions online.
What Can I Get Personal Loans For?
People come to East Bay Finance to get a quick loan for just about anything. From financing their next car to small cash loans and everything in between. We listen to you and work hard for you.
Here are some more common examples of loans we provide:
- Overdue Bills and Emergency Loans
- Bond Loans and Moving Loans
- Car Loans or Car Repair loans
- Home Improvement Loans
- Paying off your Credit Card Debts
- Consolidating Debts
- Weddings Loans
- Funeral Loans
- Holidays Loans
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!
A $5000 loan taken out over 3 years costs around $45 a week. This is based on an example interest rate of 12.95%. The amount you pay will depend on your financial situation.
If you have regular income paid into your bank account and can afford to meet your repayments, it should be easy for you to get a loan online today. All loans are subject to responsible lending checks, so to process your loan faster be sure to complete your online application form, provide your ID and give us permission to access your bank statements online.
As long as you have regular income paid into your account and can afford the loan repayments, you should be able 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.
You don’t even need a perfect credit score, although in some situations you may be required to provide security. Your Loan Consultant will discuss your options with you over the phone, so you know what to expect.
Yes, 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 security, like if you have bad credit. Your Loan Consultant will discuss loan details with you when you apply.
Ready to see
How Much You Could Borrow?
Apply for an unsecured loan of up to $75,000* 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 2-minute application form and one of our Loan consultants will be in touch shortly.
*Subject to responsible lending checks and lending criteria.
East Bay Finance
Cost of a Loan
All East Bay Finance can arrange loan terms of 6 to 84 months.
The current interest rates start at 9.95% but may be as high as 35.50% depending on credit history, security offered and your overall credit profile. A typical $10,000 loan through East Bay Finance would be as follows:
- Personal Loan Amount - $10,000
- East Bay Finance Fee - $745.00
- Lender Establishment Fee - $215.00
- Payments over 60 months
- Repayments from $57.33 per week
- Annual Percentage Rate (APR) 17.12%
Our professional team of finance experts are highly trained and will work hard to find the lending solution you need. For any queries, the customer care team can be reached by email or phone during normal working hours.
This is only an example – please refer to our Fees for full disclosure.