Rethink your home with Gem.

Can’t stop thinking about ways you could make your home better? A new extension? A better fit-out? One final finishing touch? Whatever home improvements are in the pipeline, Gem has a way to help you make it happen.

Here’s how our options can help with home improvement projects of all shapes and sizes:

Gem Home Renovation Loan

Great for: Home improvers looking to tackle bigger budget plans and pay their loan off over a longer period of time.

Apply now

Gem Visa

Great for: Constant home improvers who spend little and often doing up their digs. Combining long-term interest-free offers and everyday shopping benefits, this card is great for picking up everything from new home accessories to bigger items, like lounge suites or white goods.

Apply now

Gem Visa Retail Offers

Great for: One-off purchases from a specific retailer. Seen something you really, really want? This is the way to get it, thanks to long-term interest-free deals on pricier home items from our wide range of partners. Apply now for a Gem Visa and get shopping at one of our retail partners.

Apply now
Choose one of our options or combine a few to find the right financial solution to meet your needs.

Gem Home Renovation Loan

Think bigger and better projects

Thinking of giving your place a major makeover? A Gem Home Renovation Loan could help you put big plans into action. Borrow $2,000 or more and make the most of long-term repayment options and a choice of repayment schedules to suit your needs.

Here’s what you need to know

Loan specifics:

  • Gem Home Renovation Loan interest rates from 12.99% to 29.99% fixed p.a. *
  • Enjoy full control with an interest rate that’s fixed for the life of your loan.
  • Loan terms range from 6 months to 7 years.

Added benefits:

  • Choose a repayment schedule to suit you - weekly, fortnightly or monthly.
  • Use our 'Pay It Faster' option to pay a little more each month and save on interest.
  • Pay off the balance of your loan without having to worry about early repayment charges.

Gem Visa

Think a fresh new look

There's always extra room for home improvement. You never know when your next mini-makeover might be on the horizon: that fresh lick of paint in the new Pantone hue, kitting the kitchen out with a smart fridge, sprucing things up with some seasonal décor...

Whatever's on the agenda, Gem Visa is the everyday credit card to help you fund a room refresh. Use it to shop smarter for all your home improvement needs; from the tools to get you started, through to the finishing touches, like cushions, throws or fancy appliances, and the bigger investments that come in between.

  • Enjoy 6 months interest-free on all purchases of $250 or more everywhere Visa is accepted worldwide 1.
  • Option to purchase products on long term interest free finance deals at our retail partners 1.
  • Relax with up to 55 days interest-free on purchases less than $250 1.
  • Unlock exclusive offers with retail partners - instore and online.
  • Use your card to shop for home items all over the world.
  • Add optional Shopper's Protection Insurance, so you can buy with confidence 1. Up to 6 months coverage for eligible price drops and damage to eligible purchases1.

Gem Retail Finance

Think great shopping deals

Got your eye on something you must have for your home or garden that you have seen in the shops? Like a new couch to kick back on or a luxury spa pool to relax in? Well, our retail finance option makes it easier to fund your new feature piece with some great long term finance options.

Browse our partner retailers to track down exactly what you want.

Check out the benefits:
  • Take advantage of long-term, interest-free finance options from partner retailers.
  • More than 2,000 partner retailers to help you find the perfect product.
Learn more
Things you should know

Gem Personal 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. 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).

Gem Visa
1 Credit and lending criteria, $55 establishment fee and $52 annual account fee apply. Prevailing interest rate (currently 25.99% p.a.) applies after 6 months. Long term interest free offers may vary. Available at participating retailers to approved applicants only. Conditions, fees and charges apply. Provided you pay the 'Payment to reduce further interest' amount shown in your monthly statement by the payment due date. Rates and fees are effective as of 31 March 2016 and are subject to change.

Shopper's Protection Insurance
Terms, conditions and some exclusions apply. See the Policy for full details including details of limits that apply to your cover. Shopper's Protection Insurance is issued by Hallmark Life Insurance Company Ltd. and Hallmark General Insurance Company Ltd. (incorporated in Australia and operating in New Zealand). To see if Shopper's Protection Insurance is right for you, read the Shopper's Protection Product Information Booklet and Policy.

If there's a fraudulent transaction on your Gem Visa, you will not be held liable if you: