It’s what we do

We are specialists in personal finance, it is what we do. So whatever stage you are at in your life, whatever your finance needs, we could have a solution for you. Think smart, think Gem.

We empower

We can see your potential. We understand your needs. And we can help enable you to realise these, so you can get on with enjoying life.

The brilliant alternative to a bank

As personal finance specialists we aim to make the process of dealing with us as easy as possible. Apply online whenever it suits you, or talk your application through with a specialist over the phone.
Gem products are provided by Latitude Financial Services Limited, who are not a registered bank

We’re tried and trusted

Already, 1 in 8 Kiwis trust us to provide their personal finance, so we could have a personal loan or credit card product that’s right for you too.