Personal loans

Whether it's a holiday, a new car or home renovations you're after, now you can with a Gem Personal Loan.

Gem Finance Personal Loans

Find out more

Credit cards

A Gem Visa credit card for those just-need-it-now
purchases or last minute deals.

Gem Visa Credit Card

Find out more

Personal loan calculator

Calculate your personal loan repayments.

Find out more

Budget planner

Work out how much you can afford to repay with our budget planner.

Find out more

Got a car in mind?

Calculate your car loan repayments.

Find out more

So, why choose Gem?

It’s what we do

We are specialists in personal finance, it is what we do. So whatever stage you are at in your life, whatever your finance needs, we could have a solution for you. Think smart, think Gem.

We empower

We can see your potential. We understand your needs. And we can help enable you to realise these, so you can get on with enjoying life.

The brilliant alternative to a bank

As personal finance specialists we aim to make the process of dealing with us as easy as possible. Apply online whenever it suits you, or talk your application through with a specialist over the phone.
Gem products are provided by Latitude Financial Services Limited, who are not a registered bank

We’re tried and trusted

Already, 1 in 8 Kiwis trust us to provide their personal finance, so we could have a personal loan or credit card product that’s right for you too.