• 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

Apply For Finance

Our Finance and Insurance Partners

Apply For Finance Online

We offer multiple options when it comes to applying for finance with Gem Cars. Please select one that suits you from the options available.

Note: for our automated decisioning option you will need the following when applying:

  • Valid ID: A current NZ Drivers License or Passport
  • NZ Bank Account: An active account with online banking access is preferred
  • Email: An email address we can verify is yours
  • Mobile Phone: A NZ mobile number we can verify is yours
Finance Central Logo
100% online application: Entirely online application with an initial response within 60 seconds
Note: Responsible lending criteria and credit assessment and inquiries will apply to all applications
Express Enquiry: Quick assessment by our team to determine potential financing options available.

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