Gem Car Loan

• To appy, 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
• Loans for private sale available for car
• 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