Car Loans

Looking for a better ride? Get approval before you buy with a secured car loan from 9.99% fixed p.a.*, so you can get on the road faster.

Get 12.99% fixed p.a.

Special offer for new personal loans of $20,000 or more.
Offer ends 29/11/19.


Secured car loan rates
fixed p.a.
fixed p.a.
Rates range from 9.99% - 19.99% fixed p.a. depending on your personal circumstances

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

Calculate your repayments

Use our handy car loan calculator to determine what your repayments may be on your new ride.

Car loan details

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 or monthly

Loan terms6 months - 7 years

No early repayment feesPay your loan off sooner, at no extra charge!

Peace of mindFor added peace of mind, our optional
Repayment Protection Insurance is available for when you need it most

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.

Pay It Faster

Want to save on your interest? No problem — you can pay extra when you want to get ahead of the game.

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 NZ resident
  • Be earning a stable income

Frequently Asked Questions

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

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, 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).