• more than 25million customers served
  • first class service
  • variety of loan options

Gem Finance is a reputable financial institution with operations in both New Zealand and Australia.

We serve more than 2.5 million clients in this region, offering them a wide range of products to suit their needs. Among our clients are some of the more established names in business.

We are an arm of Latitude Financial Services and are fully accredited, so you can put your mind at ease when you come to us. Staffed by experienced financial experts, Gem Finance works to bring you the best, most affordable loan options regardless of what you need the cash for.

Whether you need to fund your studies, travel abroad or invest in a new opportunity, we will be there for you.

For the long haul

At Gem Finance, we look forward to building lasting, mutually beneficial ties with our customers, not just solving their pressing needs. In fact, we aim to see our clients flourish financially, living debt and stress-free.

Through first class service and timely delivery, we hope to sort out your short-term needs while building a relationship that will stand the test of time. It is our delight to see our esteemed customers blossom and become financially independent as we also grow and expand our operations. As we develop more and more products to suit changing needs, we hope that you will continue to benefit from readily available credit as well as other financial products.

Loan types

Based on our extensive knowledge of the market, we have come up with an assortment of loan products that cater to New Zealanders’ most pressing needs.

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

Personal loans: This product is suited for those emergency situations which catch you unawares with no ready cash in your bank account. It could be the death of a loved one or the sudden hospitalisation of a family member not covered by your medical policy.

Car loans: Our car loans come in handy when you need to finance some much needed repairs but have no cash to spare. You can get your car a new set of wheels or seat covers without having to withdraw your savings.

Travel loans: We all dream of a relaxing getaway to one exotic location or the other, but few of us have the wherewithal to save for this. A travel loan is a kind of personal loan that allows you to go out and enjoy yourself fully without worrying too much about the cost implications. Manageable repayments make sure you can offset travel expenses without feeling too much of a pinch.

Home renovations loan: Repairs or improvements to your house can be a costly affair, especially if the building in question is old and needs many different kinds of repairs to restore its lost glory. This kind of personal loan specifically helps you deal with this kind of expense while managing your finances well.

Debt consolidation: If you are servicing more than one loan, it will be of benefit to you if all your debts can be brought together into one simple repayment schedule. This will ease your budgeting and help you manage these facilities better. Debt consolidation is a service designed to help with this.

Other products

In addition this variety of loan products, you can look to Gem Finance if you want a little extra finance for monthly shopping or other needs. With our credit card you can cater to short term or emergency needs even when your bank account balance cannot stretch any further.

If you trust Gem to provide you with instant funds for arising needs, you can also trust us to cover your valuable property or the health of your family. We have a bouquet of attractive insurance products that will save you the inconvenience of dipping into your savings whenever an emergency arises.

Instant cash

Gem Finance promise customers and would-be customers that the application process for their micro-loan will take no more than 10 minutes. An online calculator allows you to be clear on the terms of the loan before you make any commitment. The application itself can be done online at any time of the day or night, but there is a helpline available 8am to 7pm on weekdays and 8.30am to 5pm on weekends. The process is simple and straightforward.

You stand to get $10 back if you clear you repayments in good time. It is also worth noting that an establishment fee of $240 applies on all loan products.