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We can help you ease the financial stress of COVID-19. Find out how.

Let’s

help you find a way

At Gem we love helping people achieve their goals. We believe in acting responsibly and respectfully, so if you're ready, let's get started.

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 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.

Limited time 12.99% fixed p.a. Personal Loan offer

Let's move it from 'to do' to 'done' with this great rate on all new personal loans $20k or more. Offer ends 17/12/20.

A gift for
the gift givers.

Every time you shop with your Gem Credit Card this Christmas puts you in our $30K+ prize draw*.
That's good shopping.


Promo ends 11:59pm(NZDT), 26 December 2020.

Latitude Pay
Fashion lovers, get ready to shop at Cotton On.
10 weekly payments.
No interest. Ever.
Genoapay, by Latitude
Credit provided by Latitude Innovation Holdings Limited. Online only.

What’s important to you?

Need new wheels?

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

Let's shop with
Gem Visa.

Enjoy 6 months interest free on all purchases of $250 or more,^ anywhere Visa is accepted.

Important information

Gem Personal Loans
Rates range from 12.99% to 24.99% fixed p.a. for unsecured loans. Gem Car Loan rates range from 9.99% fixed p.a. to 19.99% fixed p.a. for secured loans. Your interest rate depends on the amount borrowed, your personal circumstances and credit history. The interest rate and repayment amount remain the same for the life of the loan with no early repayment fee.
Credit and lending criteria, and fees including a $240 establishment fee apply.

Example: A Gem Personal Loan of $20,000 borrowed for 3 years with a fixed interest rate of 12.99% fixed p.a. would equate to a total amount payable of $24,591.60 (including a $240 establishment fee).

Calculators
Results from the calculators should be used as an indication only, and they do not represent either a quote or pre-qualification or approval for a loan. The calculator should only be used as a guide to see how loan repayments can vary when you change the loan amount, interest rate and loan term. Fees and charges are payable and the calculators do not take these into account.

Gem Visa
^Gem Visa credit and lending criteria, $55 establishment fee and $52 annual account fee apply. Prevailing interest rate (currently 25.99% fixed p.a) applies after the interest free period ends. Gem Visa is provided by Latitude Financial Services Limited.

Genoapay
Approved customers only. Available for purchases between $20 and $1,000 at participating stores, subject to approved account limit. Terms and conditions and late fees apply. Genoapay is provided by Latitude Innovation Holdings Limited.

*Spend & Win promotion terms and conditions available here.