Vehicle & Boat Finance

Finance Options For Your Vehicle Or Boat

Do you need a new car or a boat, but have no spare cash? Want to buy online from TradeMe or Autotrader, go to an auction or buy privately? Wondering about the best car finance or boat loan options? Then, we are the people you need to talk to.

With a pre-approved vehicle loan from East Bay Finance, you’ll be able to get the best deal possible for your next boat or car.

  • consider NO DEPOSIT loans

  • factor in Loan Repayment Insurance, or waiver

  • look at all credit options

Don’t worry if other companies have turned you down for vehicle loans. We’ll look at all options available to get you back on the road, or out on the water. We will even consider NO DEPOSIT loans.

For additional peace of mind, we can factor in Loan Repayment Insurance, or waiver.

Even if you are only looking to upgrade your current vehicle, or make some minor repairs to a beloved classic car you already own, East Bay Finance is here for you. Our car and boat loans don’t have to go towards a brand new vehicle. Sometimes, our treasured toys just get a little worn out and need some TLC to keep them running a few more years.

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Ready to get started?

Our professional team of finance experts are highly trained and will provide the refinancing solution you need. For any queries, the customer care team can be reached by email or phone during normal working hours.

How much would you like to borrow?
Repayment Term:
36 months
60 months

Repayment amounts are based on a 8.95% interest rate and are indicative only. They exclude any brokerage, establishment, administration, waiver and insurance fees. These terms may not be available for your loan type. All loan quotes are subject to full application details and lenders conditions at the time of application.

Please read the Responsible Lending Guidelines for more details


Cost of a Loan

We do not offer Short Term loans, all East Bay Finance Loans are for terms of six to sixty months with a fixed annual rate of interest. Our current interest rates start at 8.95% but may be as high as 39.95% depending on credit history, security offered and your overall credit profile. A typical $20,000.00 loan through East Bay Finance would be as follows:

  • Personal Loan Amount $20,000
  • Establishment Fee $440.00
  • Payments over 36 months
  • Interest rate from 8.95% including monthly
  • Admin fee of $15 per month
  • Repayments from $900.00 per month including (optional)payment waiver cover – subject to terms and conditions
  • Annual Percentage Rate 20.7%

This is only an example – please refer to our Fee tab for full disclosure.