GEM Finance

About GEM Finance

GEM Finance is an iconic provider of alternative credit solutions and falls under Latitude Financial Services with over two-and-a-half million customers.

We offer more than just good financial products we offer a better service that fits in with your lifestyle and meets your needs.

We’ve Expanded!

GEM Finance is well known for its Gem Visa but, apart from this fantastic and ever popular product we also offer personal and debt consolidation loans as well as a range of other great financial products and services with strong relationships and partnerships with some of New Zealand’s largest retailers.

What GEM Finance can offer you

Consolidating debt is a big decision and needs to be done right to make a positive difference to your financial situation.

Consolidation is ideal for people who have a lot of unsecured debts that are incurring hefty interest or for people that are struggling to juggle multiple debts.

Interest Rates from as Low as 15.99%

In order for consolidation to make sense you must be able to secure a lower interest rate than you’re currently paying on your smaller, unsecured debts. Our rates start from as little as 15.99% and we offer comfortable loan terms from 6 months to 7 years. Whatever your situation – Gem Finance can help you make it better.

In a Nutshell

  •  Loan minimum NZ$2,000
  •  Loan maximum NZ$80,000
  •  Interest rate From 15.99% to 29.99% per annum
  •  Loan term minimum 6 months
  •  Loan term maximum 7 years
  •  Average processing time 24 hours
  •  Online application
  •  Unsecured loan option
  •  Secured loan option
  •  Bad credit consideration
  •  Early repayment

Getting a Debt Consolidation Loan with Gem Finance

We offer debt consolidation loans of up to $80,000 and offer competitive rates that will help your lower the cost of your debt.

Our loans range from $2,000 to $80,000 and you can have the loan credited to your account in just 24 hours. To apply you must meet our minimum eligibility requirements which are highlighted below.

Our Minimum requirements to Apply for a Loan

To apply for a loan online with Gem Finance you must be aged 18 or older, be a NZ resident and be earning a stable income. We require all applicants to provide some form of security to have their loans approved and will require all of your personal, employment and contact details.

Eligibility & Requirements

  •  18 years or older
  •  NZ resident
  •  Earning a stable income
  •  Credit check
  •  Active email address
  •  Recent pay slips
  •  Bank statements
  •  Proof of address

Other Products & Services

  • Debt consolodation loans
  • Home renovation
  • Travel loans
  • Wedding loans
  • Car loans
  • Personal loans

Here’s a short video about GEM Finance

Contact Details

 Visit Website


 Physical Address

  • 8 Tangihua Street, Auckland, Auckland, 1010, New Zealand

 Postal Address

  • PO Box 4058, Shortland Street, Auckland, 1140, New Zealand

Opening Hours

  •  Monday 08:00 – 18:00
  •  Tuesday 08:00 – 18:00
  •  Wednesday 08:00 – 18:00
  •  Thursday 08:00 – 18:00
  •  Friday 08:00 – 18:00
  •  Saturday 09:00 – 17:00
  •  Sunday 09:00 – 17:00