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Get a Personal Loan quote

Easily check your client's Personal Loan interest rate and then submit an application

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Why choose us?

We say 'yes' more often

  • Competitive pricing structures across range of customer profiles
  • Customised loan solutions with terms up to 7 years
  • Access to local underwriting and settlement teams

Focus on speed and ease

  • Streamlined application process
  • Fast time to decision
  • Priority settlement

Attractive commissions

  • Simple and transparent commission structure
  • Competitive rates across all risk grades

Personal relationships

  • A dedicated team to help you, help your client
  • Tailored reporting solutions

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Our Gem loans

Personal Loan

Easily check your client's Personal Loan interest rate and then submit an application

variable
Secured Rate^
8.99
%
p.a.
^
to
28.99
%
p.a.
^
Unsecured Rate^
9.99
%
p.a.
*
to
29.99
%
p.a.
*
fixed
Secured Rate^
8.99
%
p.a.
^
to
28.99
%
p.a.
^
Unsecured Rate^
9.99
%
p.a.
*
to
29.99
%
p.a.
*

About the loan:

  • Loan amounts from $2,000
  • Loan terms from 1 to 7 years
  • Fixed and Variable rate loan options
  • Weekly, fortnightly or monthly repayments
  • No early repayment fees

Eligibility:

  • Be 18 years or over
  • Be a permanent NZ resident
  • Be earning a stable income

Fees:

  • Establishment fee of $240 applies
  • Late payment fee - $35
  • No early repayment fees
  • Your interest rate depends on your personal circumstances
Get rate estimate

We're here to help

Got questions for our broker team? Call now on 0800 433 406

Mon to Fri: 9am - 5:30pm (NZST)

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.
The interest rate depends on your client's personal circumstances. If your client chooses to pay your loan off sooner, we will not charge them 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).