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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 (weekly, fortnightly or monthly) 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% to 24.99% p.a. fixed for loan term. Credit and lending criteria, and fees apply including a $240 establishment fee.

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.

*Gem Visa T&Cs & fees apply including a $55 establishment fee & $52 annual fee. Prevailing interest rate (currently 25.99% p.a.) applies to any remaining balance on the expiry of the interest free term. Credit provided by Latitude Financial Services Ltd.

Important information

Gem Personal Loan
*Gem Personal Loan rates range from 8.99% to 24.99% fixed p.a. for unsecured personal loans and from 6.99% to 22.99% fixed p.a. for secured personal loans. Your interest rate depends on your personal circumstances. The interest rate and repayment amounts remain fixed 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. 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 8.99% p.a. (fixed for the life of the loan) would equate to a total repayment amount of $22,933.80 (including a $240 establishment fee).

The repayment amount shown using this calculator is an estimate only. The results from this calculator should be used as an indication only, and do not represent either a quote or pre-qualification or approval for a loan. This calculator should only be used as a guide to see how personal loan repayments can vary when you change the loan amount, interest rate, and loan term. The interest saved and time saved is an estimate only and is based on paying the extra monthly amount for the full term. Total amount paid includes the loan amount, interest and a $240 establishment fee.

Gem Visa / Gem CreditLine
^Credit and lending criteria and fees apply, including a Gem Visa $55 establishment fee and annual fees ($52 Gem Visa / $50 Gem CreditLine). Prevailing interest rate (currently Gem Visa 25.99% p.a./Gem CreditLine 29.95% p.a.) applies to any remaining balance on the expiry of the interest free term. Paying only the minimum monthly repayment of 3% of the outstanding monthly balance or $20 (whichever is more), will not be sufficient to repay the purchase amount(s) within the promotional period. Amount payable will be shown on your monthly statement. Long term interest free offers may vary. Available at participating retailers to approved customers only. Conditions, fees and charges apply. Credit 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.