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Budget Planner

Get a better view of your finances with our easy to use budget planner.

Budget Planner

Use our handy planner to work out where you’re spending, so you can save for what you really want!

Begin entering different expense types above to automatically populate your personal budget summary

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.

Applying for a Gem Personal Loan is simple

1. Check your rate

Get your personalised rate online in 2 minutes without impacting your credit score.

2. Apply online

Submit your ID details and proof of income. Get a response within 2 business days.

3. Accept

Accept your loan contract digitally through our customer portal.

4. Get your funds

Funds released within 24 hours of receiving your signed contract and banking details.

Check your eligibility

Calculator and tools

Personal loan repayment calculator
Car loan repayment calculator

Important information

^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: A 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).