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Gem Loans

With a Gem personal loan you can make things happen. Plus, you can pay your loan off faster to save on interest, with no early repayment fees. Check your rate in just 2 minutes online — why not do it right now?
* Rates tailored to you from 8.99% for secured variable loans and 9.99% for secured fixed loans. Credit and lending criteria, and fees apply, including a $240 establishment fee.

Why choose a Gem loan?

Un-complicated loans

Get an indicative Quote in 2 minutes, Apply in under 7 minutes. Once approved and you accept your contract, funds in your account in less than 24 hours.

Flexible options

At Gem, you can choose to apply for a Fixed or Variable loan, along with an option to set up monthly, fortnightly or weekly repayments.

Redraw extra funds

Get flexible access to funds when you need them, when you're ahead on repayments with a Variable Rate Personal Loan.

Compare our fixed and variable loan options to find the right fit

Frequently asked questions

What is redraw?

Secured vs Unsecured loan?

Read our terms and conditions

Fixed Loan

Best for stability

Variable Loan

Best for flexibility

Secured interest rate from
8.99
%
p.a.^
to
28.99
%
p.a.^
Unsecured interest rate from
9.99
%
p.a.*
to
29.99
%
p.a.*
Secured interest rate from
8.99
%
p.a.^
to
28.99
%
p.a.^
Unsecured interest rate from
9.99
%
p.a.*
to
29.99
%
p.a.*
  • Rates remain fixed for the entire loan term
  • Flexible repayment options with weekly, fortnightly, or monthly repayments
  • Rates are subject to change throughout the loan term
  • Flexible repayment options with weekly, fortnightly, or monthly repayments
  • Redraw extra repayments made

Why choose a fixed rate?

A fixed rate provides stable, predictable repayments, making budgeting easier. It's ideal if you want certainty and peace of mind, knowing your payments won't change.

Why choose a variable rate?

A variable rate offers flexibility. Ideal if you want to pay off your loan early with fewer restrictions.


Frequently asked questions

What is redraw?

Secured vs Unsecured loan?

Read our terms and conditions

Calculator and tools

Personal loan repayment calculator
Car loan repayment calculator
Budget planner

Managing my loan

We're here to help. Learn more about managing your loan.

What can I use this loan for?

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.