Rating based on 18 reviews

East Bay Finance

  • Car loans up to $30,000
  • Low-interest starting from 8.95%
  • Repayment up to 60 months

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East Bay Finance homepage
Author East Bay Finance. Screenshot of East Bay Finance website.
[Accessed July 3, 2019]

East Bay Finance - A professional loan service

East Bay Finance does finance differently, we do everything that other finance companies do plus so much more. Our aim is to benefit you.

We offer personal loans and car loans at the lowest rates in New Zealand. If you are having trouble with the debt we specialise in debt consolidation loans.

Personal friendly service

When you need a loan one of our friendly consultants will assist you and listen to your needs and design a loan to suit your circumstances. With us, you will deal with real people that you can trust as we have your best interest at heart.

Our access to a wide range of lenders allows us to find you the best solution possible while saving you as much money as possible. We will examine your financial situation closely and give you professional advice on how to save money and how to make your quick loan work for you.

Find out how much you need

If you are looking for a personal loan or for vehicle financing, it is very important to know how much you need to borrow. The easiest way to determine your loan needs is to use our online calculator, simply input the relevant details and the calculator will give you a basic idea of how much you need.

If you are looking for car loans and related finance options then you can see the difference in the interest rate you will be charged if you provide security or if you put down a deposit on the vehicle.

East Bay Finance Services

There are so many different loan companies and scam artist out there that it is important to do your research and make sure that you are dealing with a reputable company that won’t try to steal your hard-earned money.

We have been in the industry for over 10 years and over time we have become a name that New Zealand citizens can trust.

Putting the best systems in place

Our business is so successful because we have the best staff members as well as the best systems in place.

Our consultants will work with you and your budget to find you the best loan solution.

Our online loan application system reduces the time it takes to apply for a loan and allows us to approve your application even quicker.

Once your car loan application has been approved we have systems in place that will transfer the money into your account on the very same day.

Our business is small enough to care but big enough to count

East Bay Finance is small enough to give you the personal attention that you deserve and to form personal relationships with our clients and care about what happened to them.

We are also big enough to be able to offer you the best deals and use our influence to pass the savings onto you.

East Bay Finance – Car loan

  • Loan Type Car loans
  • Interest Rate 8.9539.95% p/a
  • Loan Amount up to $30,000
  • Repayment 12 months to 60 months

Benefits of East Bay Finance

  • Same day cash out
  • Low lending costs
  • Loans approved within 2 hours

Car loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This loan calculator is for illustration purposes only.
The use of this quick loans calculator is subject to our terms of use.

East Bay Finance - Flexible loan solutions

When you deal with us you are talking to a real person that can understand your past financial mistakes.

We look at your application to form a decision based on you as an individual and don’t just rely on an algorithm to determine if you qualify or not. Our staff have excellent skills, knowledge and experience and will use their expertise to design a flexible solution for you.

Easy loans for cars and boats

If you need vehicle financing or have your eye on a new boat we have the best financial solutions available. Apply online and we will process your application in minutes.

Apply today and get a pre-approved loan so that you know exactly how much you have to spend and you can search in the correct price range. By knowing how much you can spend you will have the power to negotiate as if you have the cash in your wallet.

Bad credit shouldn’t prevent you from applying

If you have a bad credit record and have been turned down by other lending companies, you can still apply for a bad credit loan with us. Your bad credit record should not be able to haunt you for life and prevent you from getting the car that you want. We work with you and find out why you have a bad credit score, then help you with a loan and teach you to manage your finances better in the future.

No deposit car loans granted

Even if you don’t have a deposit to put down, we offer no deposit car loans with very easy repayment terms. To protect your new investment, we offer a range of different insurance products including protection should you not be able to honour your loan repayments or insurance to protect your vehicle against being in an accident or stolen.

Trade in and upgrade your vehicle

If you already own your own vehicle but you are looking to trade up, trade in your old car and take advantage of one of our low-interest rate car loans to upgrade and soon you will be driving around in the car of your dreams without too much strain on your wallet.

We offer online loans to help you pay for upgrades or repairs on your current boat or car and many other financial products to suit your requirements.

Customer Reviews & Testimonials

With a company that has over ten years of experience in loans, we have felt safe with taking a loan with them and that is why we are sticking with them too.

Jeff Y
— Wellington —

They have helped me to get the perfect car loan when I changed jobs I made it my goal after being there for a year that I will be buying myself a ford.

Sara H
— Nelson —

The application is super quick and that is perfect for me as a busy person it has really worked to my advantage.

Lesley W
— Timaru —

East Bay Finance Contact

Physical Address

Opening Hours

  • Monday 08:00 – 17:00
  • Tuesday 08:00 – 17:00
  • Wednesday 08:00 – 17:00
  • Thursday 08:00 – 17:00
  • Friday 08:00 – 17:00
  • Saturday – Closed
  • Sunday – Closed