Uh oh, looks like your browser (Internet Explorer) is out of date.While we no longer support it, you can install modern alternatives for a better browsing experience.

Uh oh, looks like your browser (Internet Explorer) is out of date.While we no longer support it, you can install modern alternatives for a better browsing experience.

Search

For life’s moments
big and small

As your Partners in Money, our attitude is to be responsible, fast and always ready to help.
So, what are you looking for today?
Personal LoansCredit Cards

Why partner with Gem?

We make it easy

We know you want things simplified so that’s what we’ve done. Apply your way, online or on the phone. Enjoy flexible repayments (weekly, fortnightly or monthly) and ever so simple account monitoring on your mobile.

No surprises

You won’t get tricky finance talk or banky language from us. Our interest rates and fees are up front, clear and easy to understand.

Tailored to you

We all have different needs, so we'll do our best to work out an option that is right for you. And if your requirements change, we'll try and work it out together.

We work as a team

We understand that borrowing money is a big deal. That's why we'll work together to see which option may be right for you.

Check your Personal Loan Rate in just 2 minutes.

*Rates tailored to you from 8.99%-29.99% p.a. Credit and lending criteria, and fees apply including a $240 establishment fee.

Get my rate estimate
cardless-payment

Let's shop with
Gem Visa.

Swipe some awesome deals with your Gem Visa and get cash back credit.

Find out more


* Gem Visa T&Cs and fees apply including a $55 establishment fee and $65 annual fee (charged $32.50 half-yearly). Interest rate currently 29.49% p.a. applies after interest free term ends. For cash advances, an interest rate of 29.95% p.a. and a $2 fee applies. Further information on rates and fees can be found at gemfinance.co.nz. Available on participating Gem Visa credit cards only. New customers must apply and be approved for a Gem Visa credit card.

Calculators

Personal loan repayment calculator
Car loan repayment calculator
Budget planner

What’s important to you?

Need new wheels?

Ready for some new wheels or just an upgrade? Check out our car loans.

Learn more

Let's explore

Contact us
Still have questions or need some help? Give us a call!
Learn more
About us
Find out more about Gem and how we can help you.
Learn more
Budget planner
Gain more control over your finances — and your life!
Learn more
Hardship Care
If you're struggling with your repayments, we're here to help.
Learn more

Important information

Gem Personal Loan
*Gem Personal Loan rates range from:
Variable Loans - 8.99% p.a. to 28.99%% p.a. for Secured Loans and 9.99% p.a. to 29.99% p.a. for Unsecured loans. Loans with a variable interest rate are subject to change throughout the duration of the loan.
Fixed Loans - 8.99% p.a. to 28.99% p.a. for Secured Loans and 9.99% p.a. to 29.99% p.a. for Unsecured loans.
Your interest rate depends on your personal circumstances. If you choose to pay your loan off sooner, we will not charge you an early repayment fee. Credit and lending criteria, and fees apply including a $240 establishment fee. Credit provided by Latitude Financial Services Limited.

Example: An unsecured Gem Personal Loan of $20,000 borrowed for three years with an interest rate of 15.99% p.a. (fixed for the life of the loan) would equate to a total repayment amount of $25,613 approximately (including a $240 establishment fee).

Calculators
The repayment amount shown using this calculator is an estimate only. The results from this calculator should be used as an indication only, and do not represent either a quote or pre-qualification or approval for a loan. This calculator should only be used as a guide to see how personal loan repayments can vary when you change the loan amount, interest rate, and loan term. The interest saved and time saved is an estimate only and is based on paying the extra monthly amount for the full term. Total amount paid includes the loan amount, interest and a $240 establishment fee.

Gem Visa / Gem CreditLine
* Credit and lending criteria and fees apply, including a Gem Visa $55 establishment fee and annual fees ($65 Gem Visa (charged $32.50 half yearly)/$65 Gem CreditLine (charged $32.50 half yearly)). Prevailing interest rate (currently Gem Visa 29.49% p.a./Gem CreditLine 29.95% p.a.) applies to any remaining balance on the expiry of the interest free term. Paying only the minimum monthly repayment of 3% of the outstanding balance or $20 (whichever is more), will not be sufficient to repay the purchase amount(s) within the promotional period. Amount payable will be shown on your monthly statement. Long term interest free offers may vary. Available at participating retailers to approved customers only. Conditions, fees and charges apply. For cash advances, an interest rate of 29.95% p.a. and fees of ($2 Gem Visa/$6 Gem CreditLine) applies. Further information on rates and fees can be found at gemfinance.co.nz. Available on participating Gem Visa or Gem CreditLine cards only. Credit provided by Latitude Financial Services Limited.