Ms Bray had just completed her final accounting papers at Waikato University and was to start a new job in February, she said.
"She had just been offered a new job, so it was a new start for her with a Hamilton firm ... it's so unfair.
"She had a great life and was a really beautiful, kind-spirited woman, the kind whose smile would light up a room - she was my everything sister."
Ms Donald said Ms Bray had an outgoing personality but "was also a bit of a homebody".
Her family had celebrated Christmas a week early with their elderly mother who had recently had heart surgery.
She said the funeral was likely to be in her hometown of Taupo this week.
Inspector Marcus Lynam, the acting Waikato road policing manager, said it was too early to comment on the cause of the crash.
But he said checking the sequencing of the traffic lights at the intersection where the crash happened would be part of the police investigation.
At the time of going to print, the Waikato road toll stood at 22 for 2013 - the lowest figure ever in a region which has traditionally recorded some of the worst statistics for road deaths in the country.