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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.

Check your Personal Loan rate in just 3 minutes.

*Rates tailored to you from 8.99% - 22.99% fixed p.a. New lending only. Rates dropped on 13/04/21.

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
Gem Personal Loan rates range from 8.99% to 22.99% fixed p.a. for unsecured personal loans and from 6.99% to 18.99% fixed p.a. for secured personal loans. Your interest rate depends on your personal circumstances and credit history. The interest rate and repayment amount remain the same for the life of the loan. And 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.

Example: An unsecured Gem Personal Loan of $20,000 borrowed for three years with an interest rate of 8.99% fixed p.a. would equate to a total repayment amount of $22,933.80 (including a $240 establishment fee).

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.

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.