Gem Finance

About Gem Finance

Car finance is, apart from your home loan the most expensive financial commitment you'll ever make and, considering this it's important for you to get a good deal.

At Gem Finance we offer car loans at affordable rates and flexible terms that will have you driving away in not time!

We Take the Time to get to Know you

One of the main reasons that customers choose to deal with Gem Finance rather than heir local bank is because we put in the time and effort to get to know you and understand your needs. Whether you're a single mom or a recent graduate looking to buy your first car we will work with your unique circumstances and tailor a car loan to suit you.

What Gem Finance can offer you

Whether you need a new car, a used car, a boat, van or a bike, Gem Finance can provide you with convenient vehicle finance that doesn’t break the bank or have you stuck in debt for years and years.

If you need a flexible loan that will have you back on the road quickly we're waiting to hear from you!

Borrow up to $80,000

We offer vehicle finance that ranges from $3,000 to $80,000 at an interest rate ranging from 12.99% to 29.99% per annum. As a leading lender we also offer loan terms that are flexible and range from as short as 6 months to as much as 5 years for larger loans.

In a Nutshell

  •  Loan minimum $3,000
  •  Loan maximum $80,000
  •  Interest rate From 12.99% to 29.99% per annum
  •  Loan term minimum 6 months
  •  Loan term maximum 7 years
  •  Average processing time 24 hours
  •  Online application
  •  In-store application
  •  Unsecured loan option
  •  Secured loan option
  •  Early repayment

How to Make your Online Car Loan Application

We offer a complete online loan application that is simple and quick.

Whether you're buying your first car or upgrading for the fifth time - our range of superior products and our streamlined online application will have your sorted out quickly. Get back in the driver's seat with a competitive car loan from Gem Finance!

What you'll need to Qualify for a Car Loan

In order to qualify for a car or personal loan with us you will need to have a good credit history but, we may consider applicants who have missed a payment or two. You will have to have a stable income and be able to prove that you have sufficient income at the end of the month to make the loan repayments.

Eligibility & Requirements

  •  Full or restricted drivers license
  •  18 years or older
  •  NZ resident
  •  Earning a stable income
  •  Credit check
  •  30 day bank statements
  •  Valid identity document
  •  Utility bill or other (proof of address)
  •  Bank statements or payslips (proof of income)

Other Products & Services

  • Debt consolidation loans
  • Home renovaion loans
  • 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