Our mission and values

 

EastLink Loan operates in an industry by good practice to serve the underserved unprivileged  community . This is why the business was set up. Knowing that so many short-term lenders were operating in an irresponsible way was an opportunity for us. We wanted to become the lender that people could trust, and which did things right.

 

We are now 29 years into our journey, and for us culture is essential. Ensuring ethical and socially responsible policies and procedures run throughout the organization, are key drivers for our overall vision to be the most socially responsible short-term lender. For us, this means putting the customers’ needs and interest at the heart of our operations. Realizing, that this in itself comes at a cost, but knowing that this cost is a necessity to ensure the longevity of the business and our overriding goals within the Financial industry.

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The Pillars of our operations are:

 

- Ensuring customers never borrow more than they can afford to repay, and are properly informed about the loans we provide and the costs associated with our service throughout the entire loan journey.

 

- Ensuring customers who have negative changes in their circumstances, which make current financial commitments untenable, are dealt with in a fair and responsible way that minimises any long term mental or financial strain.

 

- Ensuring those who we deem potentially vulnerable are provided with additional help, advise, and support. For us vulnerability covers a wide spectrum. From those with learning difficulties, gambling addictions, to those who struggle to manage their finances and need help with budgeting and keeping on top financially.

 

- Ensuring that a culture of transparency, fairness, friendliness, and trust runs through the organisations DNA.

- Ensuring we go above and beyond our regulatory requirements in every aspect of our operations.

 

Our goal is to provide the best level of overall service out of any other short-term lender in the market, through ethical policies and a culture underpinned by great technology, systems, and processes. 

 

We know our rates aren’t the cheapest, but we hope these policies enable us the foundations to grow to a point where our economies of scale can dramatically reduce our operating costs and ultimately drive down our rates to a point comparable with other cheaper longer-term financial products on the market.