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Personal Loans

Every second counts when you’ve got big plans. Apply for a Gem Personal Loan online in just 7 minutes and get a response to your application in 60 seconds.
Get rate estimate
Check your interest rate in 2 minutes with no impact to your credit score.
Credit and lending criteria, and fees apply.
Get rate estimate
Check your rate

We’ll ask you a few quick questions about your circumstances to give you a personalised interest rate and repayment amount.

$
This won't affect your Credit Score

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Rates

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.
*
Secured vs Unsecured loan?
Gem Personal Loan Contract Terms & ConditionsDownload Terms & Conditions

Let's talk loan details

Loan amountsFrom $2,000
RepaymentsWeekly, fortnightly, monthly
Loan terms1 - 7 years
No early repayment feesPay your loan off sooner, at no extra charge!
Establishment fee$240
Other InformationLoans with a variable interest rate are subject to change throughout the duration of the loan

Fees & charges

Establishment Fee$240
Late Payment Fee$45 if you don’t make the minimum repayment by your agreed date
Early Repayment FeeNo early repayment fee, so you can pay your loan off sooner at no extra charge!
PPSR Registration Fee$14
PPSR Search Fee$2
Other InformationInterest rates depend on your personal circumstances
Personal loan
repayment calculator

What will my repayments be?

Let's calculate

Why choose a Gem Loan?

How to apply

  1. Check your interest rate online in 2 minutes without impacting your credit score
  2. Apply online and receive a response in 60 seconds
  3. Provide required documents, such as banking statements and identification documents
  4. Accept your loan contract digitally
  5. Obtain funds within 24 hours of us receiving your online acceptance

Eligibility

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

Frequently asked questions

  • About my Gem Personal Loan
  • Application and approval
  • Fees, charges and interest

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).