Looking for a better ride?

Get approval before you buy with a secured car loan at 9.99% fixed p.a.^, so you can get on the road faster.

Minimum loan amount $15,000. Offer ends 31 May 2018.

Car loans

If you’ve had your eye on a sweet, sweet ride, you can now shop with confidence by getting approval before you buy. It’s time to get yourself into gear and get the money you need to hit the road faster.

Secured car loan interest rates

For secured car loans over $15,000
Special offer for a limited time only!

9.99% fixed p.a.^

Secured car loans only. Offer ends 31 May 2018.

For secured car loans under $15,000

From 12.99% to 18.99% fixed p.a.*
Download Terms & Conditions
  • To apply, you must be:
  • 18 years or over
  • a permanent resident of NZ
  • earning a stable income
  • You also need to know that:
  • secured car loan amounts start at $6,000
  • loan terms range from 6 months to 7 years
  • your rate is fixed for the life of the loan
  • you can repay weekly, fortnightly or monthly
  • we’ll never charge you for making extra payments
  • car must not be over 20 years old at the start of the loan
  • Loans for private sale available for car and marine purchases
  • Optional Repayment Protection Insurance

Thinking of buying a jet ski, motorbike, or your vehicle doesn’t meet the car loan criteria? Consider a personal loan instead

  • Important Information
  • There’s an establishment fee of $240
  • PostShop payment handling fee - $1.50
  • Late payment fee - $35 in the event that you can't make the minimum repayment by your agreed due date
  • No early termination fee
Download Terms & Conditions
Apply now

How to apply

Applying for a Gem Finance loan online via laptop

Apply online

Get started

Gem Finance Financial representative

Phone

Our team is on-hand and ready to help you from
Mon - Fri, 8am - 7 pm
Weekends, 8:30am - 5pm (NZST).
Call us on 0800 422 898

Terms and conditions

*Your interest rate depends on the amount borrowed, your personal circumstances and credit history. The interest rate and repayment amount remain the same for the life of the loan with no early repayment fee.

^*Conditions, credit and lending criteria apply.

Example: A Gem Car Loan of $16,000 borrowed for 3 years with a fixed interest rate of 12.99% p.a. would equate to a total amount payable of $19,731.60 (including a $240 establishment fee).

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.

Cover yourself with Repayment Protection Insurance

You never know what’s going to happen further down the track, so it’s smart to take out insurance to guard yourself against the unexpected.