Loans

Got a plan?

Okay, what do you have in mind?

Tired of juggling all those debts? Turn them all into one easy, regular payment with a Gem Debt Consolidation Loan.

  • You could save on interest1 – yay!
  • Take away the hassle with only one payment to manage
  • Stay in control with a fixed rate for the life of your loan
  • Make extra repayments whenever you like, no charge2
Find out more Apply now for a debt consolidation loan

More space, a new kitchen, a bigger deck to go with that extra-big BBQ? Whatever it is, you could make it happen with a Gem Personal Loan.

  • Keep on top of your budget with a regular payment amount
  • Pay it off sooner with extra repayments, no charge2
  • Stay in control with a fixed rate for the life of your loan
  • Borrow from $2,000
Find out more Apply now for a home renovation loan

Hum drum getting you down? Need a break from it all? Stop daydreaming about your holiday and make it happen with a personal loan from Gem.

  • Repay weekly, monthly or fortnightly – whatever suits
  • Take off sooner – apply online and submit your application in 10 minutes
  • Pay it off earlier with extra repayments, no charge2
  • Borrow from $2,000
Find out more Apply now for a travel loan

Car? Motorbike? Caravan? Boat? Get yourself into gear with a car loan from Gem

  • Secured or unsecured – the choice is yours
  • Repay weekly, fortnightly or monthly – whatever suits
  • Stay in control with a fixed rate for the life of your loan
  • Loans start from $2,000
Find out more Apply now for a car loan

Make your big day everything you want it to be with something borrowed from Gem.

  • Cover your big expenses
  • Stay in control with a fixed rate for the life of your loan
  • Keep things stress-free with a regular payment amount
  • Pay it off as fast as you want2
Find out more Apply now for a wedding loan

Some expenses you just can’t plan for. Like car breakdowns, plumbing disasters, or a broken tooth. Ouch. Get them sorted with a Gem Personal Loan, so you can get on with life.

  • Borrow for almost anything you need
  • Stay in control with a fixed rate for the life of your loan
  • Choose a payment time that suits you – monthly, fortnightly or weekly
  • Pay it off earlier with extra repayments, no charge2
Find out more Apply now for a personal loan
Didn’t find what you were looking for?

Call our personal loan specialists now on 0800 422 898
Mon - Fri, 8am-7pm
Weekends, 8:30am-5pm

Got a question ?

Email us at: gem.nz@gemfinance.co.nz

I’d like to calculate

My Budget

Work out where you are with your finances – and how much you may like to borrow.

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My loan repayments

How much are you thinking of borrowing? Let us know and we’ll tell you what your repayments could be.

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My car loan repayments

Got a car in mind? Tell us about it, and find out what your repayments could be.

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Things you should know

Conditions, credit and lending criteria and a $240 establishment fee apply. Gem Personal Loans are provided by Latitude Financial Services Limited.

The interest rate will vary depending on a number of factors including the amount borrowed, term of loan, credit rating and security offered. Interest rates range from 15.99% p.a. to 29.99% p.a. on 6 month to 7 year repayment terms. The interest rate and repayment amount remain the same for the term of the loan, and no early repayment fees apply.

Example: A Gem Personal Loan of $15,000 borrowed for 3 years with a minimum interest rate of 15.99% p.a. would equate to a total amount payable of $19,212 (including a $240 establishment fee).

1 Based on our average personal loan interest rate charged, and depending on your individual circumstances.

2 You can make lump sum repayments at any time.