Fast, Easy Car Finance Sorted for Kiwis

Easy Car Finance NZ: Get Pre-Approved Fast

Eligibility Check is free, takes 60 seconds

What is your monthly budget? (NZD)

$251 - $375/month

$376 - $500/month

$500+/month

Under $250/month

Checking won't impact your credit score

Our Finance and Insurance Partners

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HOW IT WORKS

Get Behind the Wheel of Your Dream Car in 3 Simple Steps

Quick Eligibility Check

Take a few minutes to complete our simple online form. It’s fast, secure, and there are no obligations!

Talk to Our Specialists

An on-site Gem Cars finance specialist will contact you to discuss your options. We tailor packages to your needs and answer all your questions.

Get Approved & Drive Away

Review your personalised loan options and get the best deal for your needs. Once you're happy, we'll finalise the approval and you can pick up your new car!

Get A Car Loan with Us Today - No Stress!

✅ Easy Application with No Deposit Finance Available*

✅ Any Income Can Apply (Full Time, Part-Time and Beneficiary)*

✅ All Driver Licences (Full, Restricted, Overseas and Learners)*

✅ Easy Car Delivery New Zealand Wide

*T's&C's Apply

Why Gem Cars

We offer quick & easy, competitive vehicle financing

At Gem Cars, we work hard to get more customers approved and make your vehicle buying experience as hassle free as possible. We can tailor a finance package that you are completely comfortable with, one that suits your budget and your lifestyle.

Faster approvals

Our on-site specialists mean no waiting around for third parties.

Personalised rates

We find the best deal for your specific circumstances.

Safe & secure

Your personal information is kept confidential and protected.

Clear & honest

Full transparency with no hidden fees.

Warranties

Guaranteed mileage. Independent Odo checked. VTNZ compliance and safety checked

More value for you

All cars come with $50 petrol, 1-year WOF and 6 months rego

See what our clients say

Read more about our Google Reviews ⭐️⭐️⭐️⭐️⭐️ 4.8

I had an amazing experience purchasing my Mercedes-Benz GLA180 AMG Line from Gem Car Sales, and I can't thank the team enough — especially Levi and Julie, who went above and beyond from the very first message. Julie was the first person I spoke to, and her warm, friendly approach made me feel comfortable and confident about moving forward. She patiently answered all my initial questions and guided me through the early stages of the process with such care. Then came Levi — what a legend! From arranging finance to sorting delivery and documentation, Levi made everything simple, smooth, and completely stress-free. He was always available, super responsive, and genuinely cared about helping me get into the car I wanted. He even arranged to have it delivered all the way to Wellington — top-notch service! The car itself? Absolutely stunning — exactly as described, beautifully presented, and clearly well looked after. I couldn’t be happier with my purchase. It’s not just a car, it’s a dream come true, and Gem Car Sales helped make that happen. If you’re looking for honest, helpful, and genuinely good people, look no further. I’d recommend Gem Car Sales to anyone without hesitation. Thank you again, Levi and Julie — you both made this journey so special!

Sunil dhanasekaran

4 months ago

Frequently Asked Questions about Car Loans

Fast & free, zero obligation

Secure a low-rate car loan today

Our quick check is free, simple, and has no impact on your credit score.

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At Gem Cars we are committed to responsible lending, and whatever your current situation, we are here to work with you to ensure you make an informed decision.

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