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Skip to main contentRates
Secured car loan rates
9.99
fixed p.a.
*
%
to
19.99
fixed p.a.
*
%
Rates range from 9.99% - 19.99% fixed p.a. depending on your personal circumstances
Download Terms & ConditionsCar loan details
| Fixed rate | For the life of the loan |
| Loan amounts | From $6,000 |
| Car age | Cars up to 20 years of age at start of loan |
| Repayments | Weekly, fortnightly or monthly |
| Loan terms | 6 months - 7 years |
| No early repayment fees | Pay your loan off sooner, at no extra charge! |
| Peace of mind | For 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. |
Calculate your repayments
Use our handy car loan calculator to determine what your repayments may be on your new ride.
Fees & charges
| Establishment Fee | $240 |
| NZ 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 |
| Early Termination Fee | No early repayment fee, so you can pay your loan off sooner at no extra charge! |
Eligibility
You must:
- Be 18 years or over
- Be a NZ resident
- Be earning a stable income
Frequently Asked Questions
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.
Conditions, credit and lending criteria apply.
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).