Gem Finance

About Gem Finance

We know that when money is tight and expenses are high there are very few places that New Zealanders can turn to for assistance.

At Gem Finance we offer people just like you, quick loans that can help you stay ahead of those nasty bills and unexpected emergencies.

We're here for you when you need us.

We believe that actions speak louder than words and this is why we place a lot of focus and energy on ensuring that our customer service is of the highest caliber. From a great online platform to proper training - our staff, processes and lending services are the best. When you deal with us you're dealing with a small company that will always put your needs first and assist you with a smile.

What Gem Finance can offer you

With fuel, food and electricity bills ever on the increase it's becoming harder and harder to make it through the month and, when an unexpected expense creeps up it can wreak havoc with your life.

If you need a short-term loan to deal with such an emergency then we can help.

Our Personal Loans - What you Need to Know

We offer both secured and unsecured personal loans online that range from a modest $2,000 to a decent $80,000. Larger loans require security while those who are looking for small short term loans can opt for an unsecured loan if their credit meets our requirements. Our interest rates range from 15.99% to 29.99% per annum.

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 Loan with Gem Finance

Our products and services are designed to be easy to use - so you'll never be left awestruck by long and complicated questions or strict requirements when you apply for a personal loan with us.

Good or Bad Credit

Whether you have good credit or need a loan for bad credit - we can help you today! All you need to do is visit our site and get started!

How Much do you Want to Borrow?

Before completing our online loan application you need to decide how much you want to borrow and for how long. We suggest that you choose the shortest loan term so as to avoid having to pay more than necessary in the form of interest.

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 consolidation loans
  • Home renovation loans
  • Travel loans
  • Wedding loans
  • Car loans
  • Personal loans

Contact Details

 Visit Website


 Physical Address

  • 8 Tangihua St, Auckland, Auckland, 1010, New¬†Zealand

 Postal Address

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

Opening Hours

  •  Monday 08:00 – 19:00
  •  Tuesday 08:00 – 19:00
  •  Wednesday 08:00 – 19:00
  •  Thursday 08:00 – 19:00
  •  Friday 08:00 – 19:00
  •  Saturday 08:30 – 17:00
  •  Sunday 08:30 – 17:00