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.


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

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.

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

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!


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

How to apply

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

Frequently Asked Questions

About my Gem Car Loan
The Application and Approval Process
What about fees, charges and interest on my Gem Car Loan?

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).