Need a small loan sorted today?
You’ve come to the right place.
- Fair rates from 9.95%*
- Apply in minutes
- Approval within 1-2 hours*
- Same-day approval and payout*
- Second chance and bad credit loans
East Bay Finance is your local provider of fast, low-cost lending solutions. We make borrowing money hassle-free, but we also look out for your best interests. You can trust our savvy team to find the best deal for you.
*Subject to responsible lending criteria
Are small cash loans the right solution?
We have a lot of clients who apply for small loans of $500-$1000. They think that’s all they can get, so that’s all they apply for.
The problem is, that they actually need more than that, so they have to go and get other small loans to make up the shortfall.
Multiple small loans add up, as each has its own establishment fee, and many are on much higher interest rates, so having one larger loan is more cost-effective.
One of our customers, Patrick, wanted to borrow $1500 to fix his car. He had several small loans already, of $5000 in total. Some of those loans had high interest rates.
Our savvy loan advisors told him we could combine his existing debts into a new low-cost debt consolidation loan, plus give him the cash he needed to fix his car.
Thanks to our fair rates and flexible terms, the new loan of $6500 cost him less per week than before!
Borrow $5000 from just $55 per week!*
We understand that life can be unpredictable, and sometimes unexpected costs come out of nowhere.
Whether you need cash to cover extra bills, car repairs, vet bills, dental bills or household repairs, our small cash loans have you covered.
When things go wrong, we’re here to help. Unlike banks, where it can take weeks for a loan to be approved, we understand you need the money right now.
With our quick online loan application, you’ll get your approval within 1-2 hours*.
Get an estimate of your loan repayments by using our handy Loan Calculator.
Our most popular loan amount is $5,000, which comes out to only $55 per week. The repayment amount depends on the interest rate, which is tailored to your circumstances, and the term of the loan. *Subject to responsible lending criteria.
Need to borrow more?
Could you do with a bit more than just a small loan?
With East Bay Finance you can borrow up to $75,000 unsecured. Our unsecured loans offer the fastest and easiest way to borrow money, as there’s no security required against the loan.
If you need more, we offer secured loans of up to $150,000. Sometimes we can go over these amounts. These loans require an asset – like a house or a car – to be used as collateral against the loan.
The benefit of a secured loan is that you can usually get a better interest rate compared with unsecured loans.
Not sure which is right for you?
Get in touch with our friendly team today for a free chat about your situation, and they can point you in the right direction.
Small Cash Loans with Bad Credit
If you have a bad credit score, you may think you couldn’t get even a small loan.
Fortunately, there are lenders who will help people who have poor credit history. We’re one of them!
At East Bay Finance, we believe in second chances, which is why we offer a range of Bad Credit Loan options including Bad Credit Debt Consolidation Loans and Bad Credit Car Loans.
We pay attention to your financial situation, learn why you have a bad credit score, and how you have tried to improve it.
If you have the ability to meet your payment obligations, there’s a good chance we can get you approved for a loan. We have flexibility when it comes to our lending criteria, and our goal is to find an affordable personal loan solution for every client that we serve.
Why Choose East Bay Finance
Our team are loan brokers, which means we arrange low-cost loans through our network of top-quality lenders.
This is great for you because you only need to make one loan application. Did you know that making multiple loan applications in a short period of time can hurt your credit score?
That’s why it’s so important to choose a company like East Bay Finance, which can give you loan options from just one application.
Also, having access to multiple lenders means more chances of getting your loan approved!
If that’s not enough, our loans are low-cost, too. With rates from 9.95%, we’re committed to finding you a fair and affordable rate that helps you find financial success.
