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Gem loans

Whether you are buying a car, jetting off around
the world or renovating that old kitchen, our loans
can help make your ideas a reality

Get my rate

Our Gem loans

New and Used
Car Loan

Get approval before you buy with a secured car loan.

Secured car loan rates from
9.99
%
p.a.
^
to
19.99
%
p.a.
^
  • Loan amounts from $6,000
  • Loan terms from 6 months to 7 years
  • Cars up to 20 years of age at the start of the loan
  • Fixed rate for the life of the loan
  • No early repayment fees
  • Must be secured
Apply nowTell me more

Personal
Loan

A loan great for travelling, renovating or debt consolidation.

Rates from
12.99
%
p.a.
^
to
24.99
%
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
Get my rateTell me more

Low Rate
Personal Loan

For new lending of $20,000
or more.

Secured rate
9.99
%
p.a.
^
  • Loan terms from 6 months to 7 years
  • Fixed rate for the life of the loan
  • No early repayment fees
Eligibility criteria
  • New loans of $20,000 or more
  • Must be secured
  • Excellent credit history
Apply nowTell me more

Pay it faster and
save on interest

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

Get my rate
Find out more

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.

Calculators

Personal loan repayment calculator
Car loan repayment calculator
Budget planner

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.

Find out more

Important information

^Gem Loans
Gem Personal Loan rates range from 12.99% to 24.99% fixed p.a. for unsecured personal loans. Low Rate Personal Loan 9.99% fixed p.a for secured loans, minimum loan amount of $20,000 and special qualifying criteria apply. Gem Car Loan rates range from 9.99% p.a. to 19.99% fixed p.a. for secured 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.

Credit, lending criteria & fees including a $240 establishment fee 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).

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.