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Move it from 'to do' to 'done'

With a Gem Personal loan at 12.99% fixed p.a. on new loans of $20,000 or more.^

Minimum new loan amount $20,000.
Offer ends 17/12/20.

Gem Personal Loans

A Gem Personal Loan can be used to consolidate multiple debts meaning no more multiple payments or different due dates. It's simple and convenient. Best of all, there are no early repayment fees if you choose to pay off your loan early. You can also use a Gem Personal Loan for other things; like a new car or tackling those home and garden projects.

^The nitty gritty

  • This offer is for a limited time only, applications must be received by 17 December 2020.
  • Offered rate applies to new lending of $20,000 or more excluding any fees and/or insurance costs.
  • Existing Gem Personal Loan customers will get 12.99% fixed per annum on any new borrowing of $20,000 or more during the campaign period. Existing borrowing remains at its current rate.
  • Latitude Financial Services Limited reserves the right to change or withdraw the offer at their sole discretion at any time.
  • Credit and lending criteria, terms and conditions, and fees apply.
  • Gem Loans are provided by Latitude Financial Services Limited.

How to apply

  1. Check your eligibility and complete your application
  2. Provide any required documents such as payslips and identification
  3. Securely accept your contract online
  4. Within 24 hours of your contract acceptance the money should be in your account.


You must:
  • Be 18 years or over
  • Be a permanent resident of NZ
  • Be earning a stable income
Credit & lending criteria, terms and conditions apply.

Fees & charges

Establishment Fee$240

NZ Postshop
Payment Handling Fee

Late Payment Fee$35 in the event that you can't make the minimum repayment by your agreed due date

Early Repayment Fee$0

Let’s talk loan details

Fixed rateFor the life of the loan
Loan amountsFrom $20,000
RepaymentsWeekly, fortnightly, monthly
Loan terms6 months - 7 years
Other benefitsExtra repayments accepted
Optional Repayment Protection Insurance

Better interest rates are just the begining

Payment Flexibility

Pay off your loan weekly, monthly or fortnightly - whatever works for you.

Full Control

Always know where you stand with an interest rate that's fixed for the life of your loan.

Pay it faster

You could save up to $1,000 in interest just by paying an extra $50 each month.*

We're here to help

Our team is on-hand and ready to help. Call our team on 0800 422 898

Mon - Fri 8:30am - 6:30pm (NZST)

Important information

Credit & lending criteria, terms and conditions apply.

*Pay it Faster example based on a $20,000 loan over five years at 12.99% fixed p.a. by paying an additional $50 per month over the term of the loan.

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).

Outside of this offer, Gem’s standard Personal Loan interest rates range from 12.99% to 24.99% fixed p.a. The 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.