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Gem loans

With Gem's huge Rate Drop you can save big on interest. Plus, there are other benefits you can work to your advantage too, like paying your loan off faster and saving even more. Check your rate in just 3 minutes - why not do it right now?

*Rates tailored to you from 8.99% - 22.99% fixed p.a. New lending only. Rates dropped on 13/04/21.

How can we help?

I want to...

Our Gem loans

Personal Loan

Renovating? Consolidating debts? Getting married or taking a trip? Whatever you need, let's do it with a Gem Personal Loan.

secured
Fixed Rate
6.99
%
p.a.
^
to
18.99
%
p.a.
^
unsecured
Fixed Rate
8.99
%
p.a.
^
to
22.99
%
p.a.
^
  • Loan amounts from $2,000
  • Loan terms from 6 months to 7 years
  • Fixed rate for the life of the loan
  • No early repayment fees
  • Save on interest with our Pay it Faster option
  • Establishment fee of $240 applies

New and Used Car Loan

Let's help you hit the road faster. With Gem you can get approval before you buy.

secured
Fixed Rate
6.99
%
p.a.
^
to
18.99
%
p.a.
^
unsecured
Fixed Rate
8.99
%
p.a.
^
to
22.99
%
p.a.
^
  • Loan amounts from $2,000
  • Loan terms from 6 months to 7 years
  • Fixed rate for the life of the loan
  • No early repayment fees
  • Save on interest with our Pay it Faster option
  • Establishment fee of $240 applies
  • Cars up to 20 years of age at the start of the loan (secured loans only)
pay it faster and save interest

Pay it faster and
save on interest

At Gem, we give you the flexibility to repay your loan as soon as possible - so you can save on interest.

Why choose a Gem loan?

A rate tailored for you

We'll tailor a loan to suit your needs, whether that's sprucing up your home, planning your next holiday or upgrading your car.

Loans made simple

Choose from weekly, fortnightly or monthly repayments, plus make extra payments whenever you like, saving you interest.

Stay in control

We give you fixed rates for the life of your loan, so you'll always know where you stand. Now that's better.

Managing my loan

We're here to help. Learn more about managing your loan.

What can I use this loan for?

Car purchase

Better comfort, better kerb appeal. Get yourself into gear with a car loan today.

Important information

^Gem Loans
Gem Personal Loan rates range from 8.99% to 22.99% fixed p.a. for unsecured personal loans and from 6.99% to 18.99% fixed p.a. for secured personal loans. Your interest rate depends on your personal circumstances and credit history. The interest rate and repayment amount remain the same for the life of the loan. And if you choose to pay your loan off sooner, we will not charge you an early repayment fee.

Credit and lending criteria, and fees apply including a $240 establishment fee.

Example: An unsecured Gem Personal Loan of $20,000 borrowed for three years with an interest rate of 8.99% fixed p.a. would equate to a total repayment amount of $22,933.80 (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.