Personal loans

Whether it's a holiday, a new car or home renovations you're after, now you can with a Gem Personal Loan.

Gem Finance Personal Loans

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Credit cards

A Gem Visa credit card for those just-need-it-now
purchases or last minute deals.

Gem Visa Credit Card

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Personal loan calculator

Calculate your personal loan repayments.

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Budget planner

Work out how much you can afford to repay with our budget planner.

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Got a car in mind?

Calculate your car loan repayments.

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So, why choose Gem?

It’s what we do

We are specialists in personal finance, it is what we do. So whatever stage you are at in your life, whatever your finance needs, we could have a solution for you. Think smart, think Gem.

We empower

We can see your potential. We understand your needs. And we can help enable you to realise these, so you can get on with enjoying life.

The brilliant alternative to a bank

As personal finance specialists we aim to make the process of dealing with us as easy as possible. Apply online whenever it suits you, or talk your application through with a specialist over the phone.

We’re tried and trusted

Already, 1 in 8 Kiwis trust us to provide their personal finance, so we could have a personal loan or credit card product that’s right for you too.

1 Secured car loans only. Minimum loan amount $15,000. Offer ends 6 November 2017. Credit, lending criteria and fees including a $240 establishment fee apply.