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
More about car loans See all loans

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
More about debt consolidation loans See all loans
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 loans
See 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 Visa

Home improvement loans

More space? New kitchen? Bring your grand designs to life.

More about home improvement loans
See 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 Visa

Pay the clever way - 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 clever option to shop now, pay later, as well as everyday purchases
More about Gem Visa
Shopper’s Protection Insurance

Shopaholics rejoice! If what you buy goes on sale, you could get the difference back4.

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.

Things you should know

1 Gem Visa credit and lending criteria, $55 establishment fee and $52 annual account fee apply. Prevailing interest rate (currently 25.99% p.a.) applies after interest free term ends.

2 Gem Visa long term interest free offers may vary. Available at participating retailers, to approved applicants only. Conditions, fees and charges apply.

3 Personal Loan conditions, credit and lending criteria, minimum loan amount and a $240 establishment fee applies. Interest rates range from 12.99% p.a. to 29.99% p.a. depending on your personal circumstances, on a 6 month to 7 year repayment terms. The interest rate and repayment amount remain the same for the term of the loan, and no early repayment fees apply.

Example: A Gem Personal Loan of $15,000 borrowed for 3 years with a minimum interest rate of 12.99% p.a. would equate to a total amount payable of $18,516.60
 (including a $240 establishment fee).

4 Terms, conditions, some exclusions and premiums apply. Insurance issued by Hallmark Life Insurance Company Ltd. and Hallmark General Insurance Company Ltd. (incorporated in Australia and operating in New Zealand).