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Welcome to Gem

At Gem, we want to help you choose a better now. That’s why we offer a range of products for you to do better!

Personal loansCar loansCredit cardsInsurance

Juggling multiple
payments?

Streamline debts into one easy to manage repayment with a Gem Debt Consolidation Loan.+

Apply Now
Find out more

Shop better
with Gem Visa

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

Apply Now
Find out more

Why choose Gem?

Choice and flexibility

Whether you're after interest free offers while shopping, regular loan repayments or want to pay your loan down faster, we have the right product for you. Now that's flexible.

Calculators

Personal loan repayment calculator
Car loan repayment calculator
Budget planner

Get it now,
10 weeks to pay.

Introducing Genoapay. Pay at partnered stores over 10 weekly instalments.

Genoapay
Free sign up
Find out more

Genoapay is provided by Latitude Innovation Holdings Limited
(a wholly owned subsidiary of Latitude Financial Services Limited)

What’s important to you?

Need new wheels?

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

Find out more

Quick links

Contact us

Still have questions or need some help? Give us a call!

Recommended reads

Discover budgeting, tips and more.

About us

Find out more about Gem and how we can help you.

Budget planner

Gain more control over your finances – and your life!

Important information

Gem Personal Loans
Rates range from 12.99% to 29.99% fixed p.a. for unsecured loans. Gem Car Loan rates range from 9.99% p.a. to 19.99% 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, lending criteria & 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% 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% p.a) applies after the interest free period ends. Gem Visa is provided by Latitude Financial Services Limited.

Apple Pay
*Apple Pay works with iPhone 6 and later in stores, apps, and websites in Safari; with Apple Watch in stores and apps; with iPad Pro, iPad Air 2, and iPad mini 3 and later in apps and websites; and with Mac in Safari with an Apple Pay enabled iPhone 6 or later or Apple Watch. For a list of compatible Apple Pay devices, see https://support.apple.com/en-au/HT208531

© 2016 Apple Inc. All rights reserved. Apple, the Apple logo, Apple Pay, iPad, iPad Air, iPhone, MacBook Air, Touch ID, and watch OS are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Store and App Store are service marks of Apple Inc., registered in the U.S. and other countries. IOS is a trademark or registered trademark of Cisco in the U.S. and other countries and is used under license. Other product and company names mentioned herein may be trademarks of their respective companies.