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.