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.
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.
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.
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
- 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.
- 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.
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.