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Car Loans

Let's help you hit the road faster. Get approval before you buy with a secured car loan from 9.99% fixed p.a.^


Secured fixed rates

Fees & charges

Establishment Fee$240

NZ Postshop
Payment Handling Fee

Late Payment Fee$35 in the event that you can't make the minimum repayment by your agreed due date

Early Repayment FeeNo early repayment fee, so you can pay your loan off sooner at no extra charge!

Calculate your repayments

I'd like to borrow


Interest rate p.a.^




Your estimated monthly repayment including establishment fee


Total interest paid


Total amount paid


Interest saved


Time saved

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Calculator Assumptions
The repayment amount shown using this calculator is an estimate only. The results from this calculator should be used as an indication only, and they do not represent either a quote or pre-qualification or approval for a loan. This calculator should only be used as a guide to see how personal loan repayments can vary when you change the loan amount, interest rate, and loan term.

Why choose a Gem Loan?

Full Control

Know where you stand, with an interest rate that's fixed for the life of your loan.

Flexible payments

Choose a repayment schedule that suits you - weekly, fortnightly or monthly.

Pay it faster and save

Save on interest by paying off more each month with our 'Pay It Faster' option.

No early repayment fees

We don't charge early repayment fees, so you can pay off your balance whenever you like.

Let’s talk secured car loan details

New and used car loans from $6,000
Fixed rateFor the life of the loan
Loan amountsFrom $6,000
Car ageCars up to 20 years of age at start of loan
RepaymentsWeekly, fortnightly, monthly
Loan terms6 months - 7 years
No early repayment feesPay your loan off sooner, at no extra charge!
Looking for something else?Don’t want your loan secured against your car, or your car doesn’t meet the criteria? Check out our personal loans.

How to apply

  1. Check your eligibility and complete your application
  2. Provide any required documents such as payslips and identification
  3. Securely accept your contract online
  4. Within 24 hours of your contract acceptance, we pay and you drive away


You must:
  • Be 18 years or over
  • Be a permanent NZ resident
  • Be earning a stable income

Frequently asked questions

About my Gem Car Loan
Application and approval
Fees, charges and interest

We're here to help

Got questions for our car loan team? Call now on 0800 422 898

Mon - Fri 8:30am - 6:30pm.

Important information

^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.

Credit and lending criteria, and fees apply including a $240 establishment fee.

Example: A Gem Secured Car Loan of $20,000 borrowed for 3 years with a fixed interest rate of 9.99% p.a. would equate to a total amount payable of $23,550.12 (including a $240 establishment fee).