marketbaseExclusive Marketbase Report
Prepared for

Gem Finance

Loan agency · Auckland City Centre, Central Auckland

What your customers see when they look for you, and where that puts you among 106 Central Auckland finance businesses.

ReportLocal marketing report
Checked12 October 2026
Your marketCentral Auckland personal & business finance · 106 businesses
Open your report ↓
Executive summaryExclusive Marketbase business report

Gem Finance

Loan agency · Auckland City Centre, Central Auckland

Where you stand#20of 106 finance businesses
Overall health8.2/10across the eight areas
How AI describes youMarketbase business report

What AI tells people about you

Gem Finance (trading as Gem by Latitude) is a consumer finance provider located in Auckland CBD offering personal loans and credit cards. The firm positions itself as a partner in money and serves retail customers seeking lending and card options. Online reviews note prompt, helpful staff in some cases alongside recurring concerns about interest rates, payment processing and communication.

Gem Finance, trading as Gem by Latitude, operates from Auckland CBD and provides consumer lending and card services across New Zealand. The company presents products that include personal loans and credit cards and describes itself as a partner in money for customers seeking finance solutions.

Services focus on personal loans and credit cards, with product information emphasising lending and card options. The website and SEO materials identify loans and credit cards as core offerings. No additional specialised financial services are listed in the provided sources.

Customer feedback is mixed. Several reviews highlight prompt, helpful and attentive staff who assisted with applications or account matters. Other reviews report problems with communication, unexpected changes to interest rates or account handling, delays in reflecting extra payments, and concerns about messaging or calls outside expected hours. These themes appear repeatedly alongside both positive and negative individual experiences.

Locally, Gem Finance is distinguishable by its visible presence in Auckland CBD and its focus on consumer loan and card products. Customers considering Gem by Latitude commonly encounter a mix of supportive customer service interactions and frequent cautions about contract terms, interest costs and payment processes, making careful review of product details and terms a practical step for local borrowers.

ChatGPTGeminiGooglePerplexityClaude
Not quite right? Let's sort it
01Google listingMarketbase business report

Your Google listing

Gem Finance shows a low overall health on Google Business Listing (2.2/10). The listing has essential basics in place, including trading status, claimed status, the business name, a website link, and a phone number, but critical gaps remain. The two most important findings are: no listing description and no logo, which reduce visibility and trust, plus limited photos that constrain perception.

Strengths

  • ✓
    Open statusYour listing shows the business as trading, so customers see accurate availability and Google treats the listing as live.
  • ✓
    ClaimedYour listing is claimed, so you control what it says, you can reply to reviews, and edits suggested by the public come to you first.
  • ✓
    NameYour business name is showing on the listing, so a customer searching for you by name finds you, and everything else on the listing hangs off it.

Top three opportunities

  • 1
    Description lengthThere is no real description on your listing, so when someone finds you on Google there is nothing in your own words telling them what you do.
  • 2
    LogoYour listing has no logo, so in a list of local results yours is the one with a blank space where every competitor has a mark.
  • 3
    Photos on the listingThere are more pictures on most listings around you than on yours, so a customer flicking between them gets a fuller look at the businesses either side of you.
11 checks on your Google listing. You're seeing 6 of them.
2.2Room to grow
9:41
Tiles © Esri
3
Gem Finance✓✓
3.4 ★★★★★ (1,106)
Loan agency · Auckland City Centre
Open 5 days ✓
DirectionsCall Website
OverviewReviewsPhotosAbout
From the business
No description yet1
Google listingCentral Auckland personal & business finance · 106 businesses
You are #83 for your Google listing
See how to fix all 3 →
Free for 7 days. Rather we did it? Do it for me
Checked on
Google SearchGoogle MapsBusiness Profile
marketbase
02ReviewsMarketbase business report

Your reviews

Gem Finance's Google Business health is 4.1 out of 10, indicating below-average performance. The most important findings are that the business has a deep pool of reviews but lacks recent activity, and there is no reply to any reviews which weakens credibility. The rating itself also remains well below market expectations.

Strengths

  • ✓
    Review countYou hold one of the deepest review banks in this market - social proof that does its own selling.

Top three opportunities

  • 1
    Review confidenceRating and review volume together sit well behind this market, which means a customer comparing you has both halves of the picture reading thin.
  • 2
    Response rateNone of your reviews have a reply, which means a customer reading them sees your happiest and your angriest customers with nothing from you in between.
  • 3
    Star ratingYour rating sits well below what customers here are used to seeing, and it is the first number they compare when two businesses look otherwise equal.
4 checks on your reviews. You're seeing all of them.
4.1Room to grow
9:41
Gem Finance
OverviewReviewsPhotosAbout
3.4★★★★★1,106 reviews ✓
5
4
3
2
13
credit card 49account closure 14gem visa 10application process 10quick approval 5response time 4
1How far your rating and your review count together can be trusted
Google reviewsCentral Auckland personal & business finance · 106 businesses
You are #63 for your Google reviews
See how to fix all 3 →
Free for 7 days. Rather we did it? Do it for me
Checked on
Google reviewsBusiness Profile
marketbase
03Map positionsMarketbase business report

Where you show up on the map

Gem Finance shows a moderate overall health in Google Maps search performance, with a health score of 5.4 out of 10. Key findings indicate solid presence in central Auckland markets, but weaker visibility in the immediate suburb. Opportunities focus on boosting local suburb visibility and maintaining reach into surrounding areas.

Strengths

Your first one is close. Sort an opportunity below and it moves up here.

Top two opportunities

  • 1
    Maps visibility in your own suburbYou show up in local Maps searches, but below most businesses in your suburb, so a customer looking from a nearby street is shown someone else first.
  • 2
    Maps visibility across the city groupYou turn up across more of the surrounding suburbs than the middle of the field, so customers searching from outside your own patch are finding you.
2 checks on your map positions. You're seeing both.
5.4Room to grow
9:41
1234Tiles © Esri
2Top three for "loan agency" in 1 suburb, seen in 9
1
KiwiLend NZ5.0 ★ (2) · Loan agency
2
Grabaloan5.0 ★ (353) · Loan agency
3
Lending Room4.9 ★ (257) · Loan agency
4
Advanced Cash4.3 ★ (13) · Loan agency
↓
Gem Finance1Further down, below the first results
Map positionsCentral Auckland personal & business finance · 106 businesses
You are #49 for map positions
See how to fix both →
Free for 7 days. Rather we did it? Do it for me
Checked on
Google Maps
marketbase
04Listings and socialMarketbase business report

Where customers find you

Gem Finance shows a below-average health score for social presence (4.0/10). Strengths include an active Facebook profile that is well linked to existing online assets. Key opportunities focus on filling missing profiles (Instagram, LinkedIn, Yellow Directory profiles) to improve discovery and trust across platforms without altering core offerings or messaging.

Strengths

  • ✓
    Having a Facebook page at allWe found your Facebook Profile page, and the trail is strong enough that nobody would question it is yours - it is linked from something you own, or it dominates a search for your name.

Top three opportunities

  • 1
    Instagram ProfileWe could not find an active Instagram Profile profile for your business, so a customer who looks for you there finds nothing.
  • 2
    Yellow ProfileWe could not find an active Yellow Profile listing for your business, which means anyone checking you there finds nothing and moves on to whoever is listed.
  • 3
    LinkedIn CompanyWe could not find an active LinkedIn Company listing for your business, which means anyone checking you there finds nothing and moves on to whoever is listed.
5 checks on your listings and social. You're seeing 4 of them.
4.0Room to grow
9:41
Ggem finance auckland city centre
AllImagesMapsNews
FacebookGemFinanceGem Finance | Facebook✓
InstagramNo account found1
YellowNo listing found2
LinkedInNo listing found3
Listings and socialCentral Auckland personal & business finance · 106 businesses
You are #64 for listings and social
See how to fix all 3 →
Free for 7 days. Rather we did it? Do it for me
Checked on
GoogleFacebookInstagramTikTokYellowYour website
marketbase
05Facebook pageMarketbase business report

Your Facebook page

Health is high at 7.7 out of 10, indicating the Facebook page is well set up for local reach. The business has one of the largest local followings (35,162) and a working website link that sends visitors to its domain. Key gaps are no email address and no street address on the page, plus a short intro that does not say who the service suits.

Strengths

  • ✓
    People following your pageYours is one of the largest local followings in this market.
  • ✓
    Where your page link pointsThe link on your page goes to a domain that is yours, so a visitor who came for the photos leaves on your terms and the enquiry lands in your inbox rather than someone else's.
  • ✓
    A page address you choseThe address on your page carries your business name, so a customer told about you at a barbecue can find the page by typing what they heard.

Top three opportunities

  • 1
    An email addressA customer who would rather put a request in writing at ten at night has only Messenger to work with, because the page carries no email address.
  • 2
    A street addressYour page publishes no street address, so someone deciding whether you are near enough to bother with has nothing to check and moves on to a page that tells them.
  • 3
    What your page says about youYour intro is shorter than half the pages here.
8 checks on your Facebook page. You're seeing 6 of them.
8.3Strong
9:41
facebook
GemFinance✓
35.2K followers ✓
Let’s help you find a way. At Gem we love helping people achieve their goals, so if you’re ready, let3
FollowMessage
🌐 gemfinance.co.nz✓
☎ +64 800 500 505
PostsAboutPhotosReviews
Facebook pageCentral Auckland personal & business finance · 106 businesses
You are #19 for your Facebook page
See how to fix all 3 →
Free for 7 days. Rather we did it? Do it for me
Checked on
Facebook
marketbase
06Your websiteMarketbase business report

Your website

Strengths

  • ✓
    Domain HealthYour site answers cleanly over a secure connection, so a customer clicking through from Google lands where they expect with nothing in the way.
  • ✓
    Separate sites linking to youMore separate websites link to you than almost any business in this market - a spread built over years that a competitor cannot buy their way into.
  • ✓
    Page titleYour home page headline fits a search result exactly, so the whole line reads to someone scanning a page of results rather than cutting off mid-phrase.

Top three opportunities

  • 1
    The shape of your link profileYour links are piled onto a small number of sites for a profile this size, so they are doing less for you than the count suggests.
  • 2
    On-page scoreThe basics on your home page are half in place: it opens and it reads, but enough checks still fail that a customer on a phone away from wifi notices the wait before they notice the business.
  • 3
    Domain Age ScoreYour domain has been registered longer than the newest sites here but is still younger than most.
23 checks on your website. You're seeing 6 of them.
-Room to grow
9:41
🔒gemfinance.co.nz3✓
✓Separate sites linking to you
✓Page title
1The shape of your link profile
2On-page score
Your websiteCentral Auckland personal & business finance · 106 businesses
Checked on
Your websiteGoogle Search
marketbase
07Google search and trafficMarketbase business report

How people find you on Google

Strengths

  • ✓
    What that traffic is worthThe search visitors reaching your site are worth more than almost any business in this market - an enquiry stream with no cost per click behind it.
  • ✓
    Monthly search visitsYour site draws more visitors from search than almost any business in this market - a stream of enquiries arriving at no cost per visit.
  • ✓
    Search terms you rank forYour site appears for more search terms than almost any business in this market, so there are more ways to find you than to find anyone else here.

Top opportunity

  • 1
    What you spend on adsYour paid search activity is larger than most businesses advertising here, which points at a real monthly spend behind it.
6 checks on your search and traffic. You're seeing 4 of them.
9.9Strong
9:41
Gpersonal loans beachlands
AllMapsImagesShopping
www.harmoney.co.nzFaster Personal Loans | 100% online | Harmoney NZ
www.gemfinance.co.nzPersonal Loans NZ | Fixed Interest Rates | Gem by Latitude

Need a Personal Loan in New Zealand for a new car, home renovation, travel or consolidate debt? With Gem Finance personal loan get a quote in under 2 mins.

✓
www.pacificfinance.co.nzLoan Companies in Avondale, Auckland — Pacific Finance Ltd
✓✓About 41,400 visits a month from search, across 1,149 searches
Google search and trafficCentral Auckland personal & business finance · 106 businesses
You are #2 for Google search and traffic
See how to fix it →
Free for 7 days. Rather we did it? Do it for me
Checked on
Google SearchGoogle Maps
marketbase
08Opening hoursMarketbase business report

Your hours against demand

Hours are pointed away from demand. Sunday 12pm to 4pm, customers meet a closed door. Opening Sunday 12pm to 4pm lets customers be served during that busy period.

Strengths

Your first one is close. Sort an opportunity below and it moves up here.

Top opportunity

  • 1
    Hours aligned with demandYour hours line up with demand worse than nearly every business here, which means a good share of your open time passes with nobody looking for what you do.
1 check on your opening hours. You're seeing it.
0.9Room to grow
9:41
Gem Finance
OverviewReviewsPhotosAbout
Hours 1
Monday10:30am-5:30pm
Tuesday10:30am-6:30pm
Wednesday10:30am-6:30pm
Thursday10:30am-6:30pm
Friday10:30am-6:30pm
SaturdayClosed
SundayClosed
Popular times Sunday · Auckland City Centre
12a1a2a3a4a5a6a7a8a9a10a11a12p1p2p3p4p5p6p7p8p9p10p11p
When people in Auckland City Centre look   You are shut
Opening hoursCentral Auckland personal & business finance · 106 businesses
You are #97 for opening hours
See how to fix it →
Free for 7 days. Rather we did it? Do it for me
Checked on
Your listed hoursWhen people search
marketbase
The next step

Your top opportunities, in one place.

These are your top 19 opportunities, from the 60 checks we run on every business. Tick any of them to see where it takes you.

01Google listing3 opportunities

02Reviews3 opportunities

03Map positions2 opportunities

04Listings and social3 opportunities

05Facebook page3 opportunities

06Your website3 opportunities

07Google search and traffic1 opportunity

08Opening hours1 opportunity

Where you'd stand#20of 106 Central Auckland finance businesses
9:41
Central Auckland personal & business financeOverall · 106 businesses
You are #20 overall
Open my free 7 days →
The how for every one of these, and everything else we found, in the order that moves you fastest.
Just your name and email. No card. Or have us do it for you

Sounds like another marketing outfit?

We're not. Here's how we're different →

  • You see everything first. Free.Your position, your competitors, your fixes - before you spend a cent.
  • We don't need anything from you.No logins, no card, no setup. Built from what your customers can already see.
  • You watch it work.Your position in the market, every month. If it's not moving, you'll know.
  • Real New Zealand data.Every one of the 106 finance businesses in Central Auckland, checked - not a guess from overseas.
  • Built and run in Christchurch.A Kiwi business, not an offshore call centre.
  • A real person on the phone.Call us on 0800 747 901.
Jeremy GrayFounder, Marketbase

"I spent 20 years growing some of the biggest online marketplaces in New Zealand, Australia and the UK. Marketbase gives local businesses the same edge."

Jeremy has grown marketing for