How can we help?
Get into gear with a car loan from Gem.
- Secured or unsecured - you choose
- Choose from weekly, fortnightly or monthly repayments - it’s easy to manage
- Stay in control with a fixed rate for the life of your loan
- Loans start from $2,0003
Get your finances under control and roll your debts into a single easy-to-manage personal loan.
- Assistance in paying out your debts
- Weekly, fortnightly or monthly repayments - whatever suits
- Take away the hassle with only one payment to manage
- Borrow from $2,0003
We also offer Repayment Protection Insurance just in case the unexpected happens.
Travel loans
Hum drum getting you down? Stop daydreaming about your holiday and make it happen.
More about travel loansSee all loans
Gem Visa
With 0% p.a. interest for 6 months on Visa purchases over $2501, it’s the perfect travel companion.
More about Gem VisaHome improvement loans
More space? New kitchen? Bring your grand designs to life.
More about home improvement loansSee all loans
Gem Visa
Love shopping for your home? You’ll love 0% interest p.a. for 6 months on Visa purchases over $2501.
More about Gem VisaShop smarter, with Gem Visa!
- 0% p.a. interest for 6 months on Visa purchases over $2501
- Long term interest free deals at thousands of NZ retailers2
- It’s a Visa, so buy what you need, when you need it.
- A smart option for shop now, pay later, as well as everyday purchases
Shopper’s Protection Insurance
Designed for shopaholics; no need to wait till the end of season sales.
So, why choose Gem?
It’s what we do
Personal finance is what we do. So whatever stage you’re at, whatever you want, whatever you need, think Gem.
We empower
We see your potential. We see your needs. And we can help enable you to realise these and enjoy life.
The brilliant alternative to a bank
Apply online when it suits you, or talk your application through with a specialist over the phone. We aim to make the process as easy as possible.
We’re tried and trusted
We already help 1 in 8 Kiwis, so we could have a personal loan or credit card product that’s right for you too.