Here at Gem, we’re all about rewarding people for doing better with their money. So, if you’ve got a great credit rating, we could offer you a better interest rate on your Gem Personal Loan.
Personal loan interest rates
- To apply, you must be:
- 18 years or over
- a permanent resident of NZ
- earning a stable income
- Important Information
- There’s an establishment fee of $240
- PostShop payment handling fee - $1.50
- Late payment fee - $35 in the event that you can't make the minimum repayment by your agreed due date
- No early termination fee
How to apply
Apply onlineGet started
Our team is on-hand and ready to help you from
Mon - Fri, 8am - 7 pm
Weekends, 8:30am - 5pm (NZST).
Call us on 0800 422 898
Terms and conditions
*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.
Conditions, credit and lending criteria 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).
Personal loan calculator
Calculate your personal loan repayments.Find out more
Work out how much you can afford to repay with our budget planner.Find out more
Got a car in mind?
Calculate your car loan repayments.Find out more
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 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.
Gem products are provided by Latitude Financial Services Limited, who are not a registered bank
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.